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In this post, I discuss Qapital, an easy-to-use program that can help you effortlessly save some extra cash. If you join now, you’ll get $25 to get started.


Photo by 401(K) 2012 is licensed under CC BY-SA 2.0. This content uses referral links. 

Estimated Reading Time: 9 minutes 

For the past few years, I have been using Qapital to help me save. Qapital is a free, set-it-and-forget-it program that makes it easy to save some extra cash. I love the program, and I wanted to pass it along. 

If you’re interested in using Qapital yourself after reading my description, you can sign up using my link. If you do, you’ll receive a free $25 to help you get started. All you have to do is open an account using my link and maintain a balance of $20 in the account for at least forty-five days.  

After the thirty-day free trial, the program costs $3 per month. So, if you would like a little help stashing away some extra money without having to think about it, Qapital may be an excellent program for you. I think the $3 monthly fee is worth the ease and convenience the program provides. 

If you are already actively saving money through your own system, however, the monthly fee may not be worth it for you. I’d recommend reading more below and making up your own mind. 

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Effortless Saving with Qapital 

I love Qapital for the way that it helps me consistently save a little bit of money without my having to think about it. After linking your checking account, you can set up a rule that automatically transfers funds into your Qapital account based on the parameters you set up. 

There are a variety of rules available to you that you can use to save money in a way that fits your goals and desires. 

The most straightforward is the “set and forget” rule. You can set up a recurring deposit schedule that automatically moves funds to your account in an amount and on a schedule you desire. Qapital is a simple and easy set-it-and-forget-it program. 

Many banks, however, offer this same program. The real excitement of Qapital is its ability to set a large variety of saving schemes. 

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Automatically Save a Portion of Your Paycheck 

For example, you can set it up so that a certain percentage of your paycheck is put into savings when you get paid. Qapital does this automatically when deposits hit your account. You can set the percentage to save and the deposit threshold amount. 

So, you could make a rule that Qapital move 5% of any deposit over $100 into your savings account. This helps you automatically set a savings goal while ensuring that you are only saving money when you are actually earning money. 

As many financial advisors recommend saving a certain percentage of your income—frequently 10%—this is an easy way to set yourself up for savings success. Also, since it’s automatic, you don’t have to remember to take any action to keep this goal going. 

It is, therefore, an excellent way to build up your savings habit slowly. You could, for example, start at just 1% and gradually increase the amount as you learn to adjust your spending.

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You can also utilize a similar rule designed specifically for freelancers. 

Those who work as freelancers, who are self-employed, or who operate in the gig economy have to pay their own taxes quarterly since taxes are not automatically withheld from their paychecks. It can create a hardship, however, if you don’t have enough saved when the taxes come due. 

By setting up a freelance rule, Qapital will automatically pull the percentage amount you set out of your income. It will then stash it away to use when the tax bill comes due. 

This is an excellent way to ensure that you are saving up for your tax bill automatically, just like employees who have their income taxes withheld by their employer. 

This rule can, therefore, alleviate a lot of stress. 

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The round-up is another easy way to save a few extra pennies at a time. You can connect your credit and debit cards to Qapital, and it will round up all your purchases to the nearest dollar amount, saving the difference. 

So, if you spend $1.50 on a Coke, Qapital will round this up and deposit $0.50 into your account. It’s like tipping yourself for every purchase that you make. (This is the foundation of Acorns, another popular savings tool.) 

You also have the flexibility to determine how much you want to round up your purchase. You could, for example, round up two dollars instead of one, meaning if you bought a candy bar for $0.99, Qapital would automatically move $1.01 into your savings, instead of just $0.01. It’s entirely up to you.

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Guilty Pleasure 

Qapital also allows you to use savings as a way to incentivize you to break bad habits. It does this by allowing you to set up rules to penalize you for making purchases you’re trying to resist. 

Say, for example, you believe you’re eating too much fast food and want to decrease your visits to McDonald’s. You can set up a rule where Qapital will automatically transfer $5 (or whatever amount you’d like) from your checking account into savings every time you eat at McDonald’s. 

You can do the same thing with Starbucks and a variety of other vendors. One of the great things about Qapital is the amount of flexibility it gives you.

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Spend Less 

In that same vein, Qapital can help you set up a budget and automatically save when you come in under it. 

So, using the example above, say you usually spend $100 per month at McDonald’s. If you want to reduce that amount, you can set up a rule so that any amount under $100 that you spend will go into savings. So, if you only spend $50 at McDonald’s, $50 will automatically go into savings. 

This is an easy way to save by making little lifestyle changes that don’t affect your overall budget. Using Qapital, you don’t have to find extra income to start building up significant savings.

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Helping You Get in Shape 

You can also use Qapital to help incentivize you to get in shape. By linking with Apple Health, Fitbit, or Strava, you can provide yourself with a financial incentive to exercise. 

You can do this by penalizing yourself if you fail to achieve a goal, or, if you’d like, you can make a rule to increase your savings when you do reach a goal. 

So, let’s say that you set a goal for yourself to work out thirty minutes per day. Qapital allows you to set a rule that you’ll be charged $5 every day you fail to reach this goal. That money goes right into your Qapital account to help build up your savings. 

You can, therefore, charge yourself for failing to work out. And, in effect, you’re making money when you do work out, as you have more disposable income. It’s a win-win.

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My Favorite Way to Save 

My favorite rule, one that I consistently use cycle after cycle, is the 52-week rule. This rule has given me an excellent opportunity to start really small and gradually build up with a clear endpoint in mind and a sizeable savings to boot.

If you choose the 52-week rule, every week, Qapital will deposit one dollar more than the previous week into your savings. So, in the first week, you’ll save $1. In the second week, you’ll save $2, and so on until you’re saving $52 in the last week. 

In the beginning, it’s effortless to save. It’s hard to miss $1. By the end, it requires a little more discipline. Saving $50 one week, $51 the next, and $52 the following may require some sacrifices. 

If you stick with it, though, you’ll have saved almost $1,400 in one year automatically. I run this program every year, and it’s great at the end of it to see that sum sitting in my savings.

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Other Options 

I have only covered the main options. There are a variety of customizable rules that can help you set up a savings plan that works for you. Some of it can get pretty detailed. 

For example, you can set Qapital to save every time you take an Uber or whenever you’re active on social media. You can even set it to enter a deposit anytime the S&P index drops a certain percentage (a great option if you want to try to buy low automatically). 

You can even run multiple rules at the same time, potentially increasing your savings that much faster. It’s all up to you. 

Qapital is an extraordinarily flexible and customizable program that helps get you where you want to go in the manner that is easiest for you.

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Investment Options 

The most straightforward option is simply to put your money into a Qapital’s savings account. The interest rate offered is nominal or nonexistent, depending on whether you have a spending account as well. It is, however, FDIC insured. 

You also have the option to put your money in an investment account. You can choose investment packages that invest in ETFs based upon your risk tolerance. 

You must, however, subscribe to the Complete Plan, which costs $6 per month, to have access to these investment accounts. The basic $3 plan gives access to a savings account only. 

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Goal Setting 

Qapital also makes savings easier by helping you set savings goals. Perhaps you’re trying to save up an emergency fund. You can set the goal amount you want, and Qapital will help you track your progress along the way. 

Perhaps you’re just looking to make a big purchase and want to save up for it. Qapital will help you with that too. 

You can have multiple goals running at the same time with different rules applied to each. You can set up your goals, set your rules, and then forget about it. You’re saving will be placed on autopilot as you just sit back and watch yourself progress toward your financial goals. 

Qapital makes things easy, helps you stay organized, and helps you get a handle on your finances. 

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Qapital can also help you with budgeting. You can even set up a Qapital spending account that allows you to keep a close eye on all the money you have going out. By mixing your savings goals along with your current spending, you can balance what you need now with what you want in the future. 

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Easy App-Based Program 

Qapital runs through an easy to use app. You can do everything right from your smartphone. 

The app is well-designed and user-friendly. I wish that there was a desktop option, like Acorns—a somewhat similar program—offers. Sometimes I like to see things on my computer screen. 

Still, I don’t miss it too much. As I said, the app is straightforward to use. Beyond the ability to see things on a larger screen, it doesn’t suffer from any lack of functionality as a result of limiting itself to an app. 

Get $25 For Signing Up 

If you think Qapital may fit your needs, I encourage you to sign up for the thirty-day free trial to test it out. 

If you sign up using one of my links, you’ll receive $25 as a bonus after you keep the account open for at least forty-five days with at least $20 on deposit. While that means you will have to pay the first $3 fee, you can cancel anytime. 

Full disclosure, if you use my link, I will also get a $25 commission at no additional cost to you. I was using Qapital for years before I started promoting it, however, so I recommend it whether you use my referral link or not. 

While I would appreciate your support, if using my link makes you uncomfortable, I still encourage you to navigate over to Qapital yourself to check it out. 

Qapital is a great program. I love using it, and I love the way that it helps me save money without my having to think about it. (As a graduate student, that has proven particularly useful.) 

Sign Up For Qapital Today 

You have nothing to lose and a lot to gain. Having some extra money on hand is always helpful, whether for emergencies or just to help build a more financially secure future. Qapital is an excellent program for getting you there. 

Even if you don’t want to use Qapital as your primary savings or investment account, you can use it to help you save. Then, you can transfer the money out whenever you’d like. 

I tend to transfer money out every year or two for a variety of reasons. Still, I know that I wouldn’t have that money at all were I not using Qapital to help me automate my savings. It is, indeed, a great program, and I cannot recommend it enough. 

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