Qapital: The Money Saving App

I love Qapital. It has been my main financial app since it was released. I will likely never stop using it but I desperately would like to see the return of one feature. Please let us add multiple goals to one rule again. I have so many rules because I have various short and long term goals, and use goals as a sort of digital envelope budgeting system. It requires so much oversight on my part to manage them all. I used to have one rule that would represent a category like “spending” or “savings” that would divvy up money equally among all the goals I added to it and I want that back so I can simplify my money flow again. The framework is already there to majorly compete with emerging SaaS like Sequence. Also, it would be monumental to fully unlock payday divvy. Allow it to trigger on deposits like a rule, and also allow us to portion more than just 50% for a particular account or goal. Different people have different use cases, payment schedules, etc. Allowing us to unlock those kinds of limitations on rules and payday divvy would make this service so much more powerful as a budgeting/savings tool, and more competitive as others are entering the market. Thank you for the service regardless! Update 5/21/26: I am going to experiment moving everything I currently do on Qapital over to my SoFi account. Over the last decade of using this app I have seen the features narrow and the ability quality of the experience degrade. The abysmal APY has always bugged me but for my use case didn’t matter much since I used it more as a “spending category” system than a long term savings system, and I think the investment goals offset the low APY. However, recent issues with withdrawing money from my goals into my Qapital Spending account and discrepancies between what is displayed as available and what the app actually lets me transfer has been a sort of “last straw” for me. My use-case of a digital envelope budgeting system becomes really untenable when a goal displays an amount of money as “available” but upon transfer gives me an entirely different amount available (sometimes even saying $0 are available). It makes even less sense to me since it’s between Qapital accounts. No matter what though, it just doesn’t work for me or my purposes anymore. I’m going to keep my investment portfolio, but start using SoFi for my savings goals and digital envelopes. No amount of pretty interface decisions can overcome loss of functionality and degradation of quality. I really want the devs to understand that. I still like the look of their interface more than SoFi, and even think some of their features are preferable. However, I have never had transfer issues between my Sofi accounts, the vaults systems is clunky but serves the same function as goals for my purposes, and it’s also not an additional service on top of my existing checking and savings accounts with them. I’d come back to Qapital only if they return features and consider boosting APY to a competitive rate. Otherwise I think it’s just time to go.

I had this app years ago and went to get it again. I simply wanted to know what the paid tiers were before signing up and the site shows them nowhere, neither does the stupid AI. Support told me they have 3 tiers, and when I signed up in the app there was only 1 option they forced me into, which was counter to what everyone else said.

I have such a variance of small transactions it’s nearly a full time job keeping track of what to put back. I’ve used this as my set it and forget it method.