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Qapital

Automated savings, payday budgeting and goal-based ETF investing, with shared goals for partners.

$3/month (30-day free trial)www.qapital.com
Download on the App StoreGet it on Google Play

Feature record

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13 of 71 recorded

Cost

1 / 3
Free tier
?
Price
$3/month (30-day free trial)
www.qapital.com
Lifetime purchase
?

Connections

3 / 7
Account aggregation
Yes
www.qapital.com
Connectors
Plaid
www.qapital.com
Refresh more than daily
?
Manual accounts
?
Countries
US
www.qapital.com
Multi-currency
?
Crypto and digital assets
?

Planning

3 / 16
Budgeting
Yes
www.qapital.com
Envelope budgeting
?
Zero-based budgeting
?
Rollover budgeting
?
Recurring transactions
?
Bills
?
Bill negotiation
?
Goal tracking
Yes
www.qapital.com
Debt payoff planning
?
Cash-flow forecasting
?
Scenario planning
?
Retirement planning
?
Subscription tracking
?
Subscription cancellation
?
Automated transfers
Yes
www.qapital.com
Calendar view
?

Wealth

1 / 6
Net worth
?
Balance history import
?
Investment tracking
Yes
www.qapital.com
Investment transactions
?
Real estate
?
Investment fee analysis
?

Sharing

1 / 3
Partner or household
Yes
www.qapital.com
Adviser access
?
Business or rental separation
?

Platforms

2 / 5
Interfaces
iOS · Android
www.qapital.com
Full mobile app
Yes
www.qapital.com
Home-screen widgets
?
Customizable dashboard
?
Offline access
?

Trust

2 / 7
SOC 2
?
2FA / MFA
Yes
www.qapital.com
Sells or shares your data
Yes
www.qapital.com
Read-only bank connections
?
Data held by
?
Self-hosting
?
Open source
?
Nothing recorded yet — 4 groups, 24 attributes

Transactions

0 / 13
Edit transactions
?
Create manual transactions
?
Rules engine
?
Mass edit
?
Split transactions
?
History import
?
Length of history
?
Export
?
Import formats
?
Nested categories
?
Custom categories
?
Tags
?
Receipt attachments
?

Insight

0 / 4
Reports
?
Trends
?
Credit scores
?
Alerts
?

Assistance

0 / 2
AI chat
?
AI categorization
?

Extending

0 / 5
Public API
?
Spreadsheet sync
?
Webhooks
?
Tax export
?
Tax filing
?

Checked against the vendor’s own pages on 2026-09-10; 13 attributes carry the source they came from. Every “?” is a link — one field, no account.

Price history · cheapest recurring plan

2026-09-10
First recorded at $36/year

Every step is a reviewed change to the record, from the changelog; there is no nightly capture of the vendor’s pricing page. The median is the middle annual price of the 41 live listings that charge one.

What people are saying

Yes, I’ve been a loyal Qap user for years and to date- $100,000 saved. It’s so helpful because I only see what I have left so I can only use that amount each month. It’s simple and the goal settings makes it easy use regardless of how much you can save. You d…App Store · 5★ · 2026-09
My husband and I both downloaded this app when we were saving for our wedding. We hadn’t yet combined our finances and this was the perfect way for us to save “together”! We have multiple little funds for things like pet care, vacations, new cars, etc. We lov…App Store · 1★ · 2026-09

Read and search all 500 reviews → Unedited store text; the most recent from each end of the scale.

In the news · 0 mentions in 90 days

Matched on the app’s exact name from an allowlist of 36 outlets, with a personal-finance word in the headline. Anything outside that is dropped, not published. Headlines belong to their publishers. Fetched 2026-09-10.