Qapital: Set & Forget Finances

Get your money off your mind with the Qapital app; a suite of set-and-forget money tools that make financial decision-making easier on the brain.

Studying behavioral economics taught us that humans are simply not wired to process tradeoffs between spending now and saving for later. So, we put together a team of product experts and finance pros to build automated money management solutions that are simple to use and easy to stick with.


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Qapital offers a robust set of automated money tools. Use them to build a personalized system that works for you.

1. Save & invest automatically
Automatically set money aside for savings and investing goals when you get paid, when you shop, or whenever works best for you.

2. Set unlimited money goals
Set as many goals as you like, personalize them, move money to them automatically, and track your progress as you go.

3. Budget instantly every payday
Payday Divvy automatically divides up your paycheck between short and long-term goals, bills, and discretionary spending.

4. Spend smarter
Set money aside for weekly spending with the Qapital Visa® debit card. Shop anywhere Visa® is accepted, get cash from ATMs world-wide, and get notified when you’re close to your weekly budget.

5. Invite a partner and team up on your goals
Qapital Dream Team™ lets you save toward shared goals and see one another’s transactions without giving up your individual accounts. You decide what’s shared and what’s private, always.

Legal disclosures
QAPITAL, QAPITAL INVEST and the QAPITAL and Q logos are registered trademarks of Qapital, LLC. Copyright © 2024 Qapital, LLC. All Rights Reserved.

Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank.

Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC.