Free plans only

6 Best Free Savings Apps of 2026

By the Rankozo research desk · Updated November 11, 2026

6 of the 9 tools in our best savings apps ranking offer a permanent free plan. Wealthfront Cash Account scores highest among them at 9.1 out of 10.

01
Wealthfront Cash Account
savers who want a high base rate with no fees and no conditions
Zero account fees
Full entry, No. 1 overall
Paid from
Free
Score 9.1
02
Ally Bank Savings Account
savers who want the app to find spare money for them
No monthly maintenance fees and no minimum balance
Full entry, No. 2 overall
Paid from
Free
Score 9.0
03
SoFi Checking and Savings
people who can direct deposit a paycheck
Zero account fees and no minimum balance fees
Full entry, No. 3 overall
Paid from
Free
Score 8.8
04
Betterment Cash Reserve
savers who also invest with Betterment
No fees or minimums; $10 minimum deposit for the base APY
Full entry, No. 4 overall
Paid from
Free
Score 8.7
05
Capital One 360 Performance Savings
savers who want a bank with branches and no rate conditions
No fees to open or maintain the account; $0 monthly maintenance fee
Full entry, No. 5 overall
Paid from
Free
Score 8.6
06
Current
paycheck earners saving small amounts
See vendor pricing (USD check pending)
Full entry, No. 6 overall
Paid from
Free plan
Score 8.0

Scores and prices come from our Best Savings Apps ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com