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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 66 live listings that charge one.

What people are saying

I’ve had capital since 2016, and it’s helped me save thousands of dollars. I would not have the savings & investment accounts I do today without this life changing app. 10/10 stars would recommend to a friend.App Store · 5★ · 2026-01
I’ve tried withdrawing my money and everything I try isn’t working, it’s like they took my money and now I can’t get it back. What’s the point of saving if I’m not going to get the money back!? I’ve tried customer care but I’m not getting anywhere because I’m…App Store · 1★ · 2026-01

Read and search all 100 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 2026-10-26.