Orni

Pay someone $100. $70 goes to them. $30 goes straight to your savings earning 8% APY. You pick the split once and forget about it.
That's it. That's the app.

Every payment you make automatically sets money aside. No transfers to move, no savings goals to manage, no reminders you'll ignore. Just spend your money and watch your savings grow behind the scenes.

- Set your own ratio — spending, savings, growth. Change it whenever.
- Payments are instant. Like, actually instant. Sub-second.
- 8% APY on everything you save. Starts earning immediately.
- Shared vaults if you need to pool money with people for rent, trips, whatever.
- Round-ups catch the spare change too.