Qapital

About Qapital Qapital is a U.S.-only behavioral finance app that combines automated savings, goal-based investing, and smart spending tools in one subscription-based mobile platform.

Founded in Stockholm and headquartered in New York, Qapital uses rules-based automation rooted in behavioral economics to help users build savings habits without manual effort.

The platform enables users to create unlimited savings goals and trigger automatic transfers using customizable rules — such as round-ups, IFTTT-style triggers, or percentage-of-paycheck logic.

Qapital Invest provides SEC-registered robo-advisory services through diversified ETF portfolios, while the Qapital Visa® Debit Card, issued by Lincoln Savings Bank (Member FDIC), powers its spending layer.

Distinctive features include Payday Divvy for paycheck allocation, Spending Sweet Spot for weekly cash tracking, and couples-first joint savings — uncommon in competing personal finance apps.

With 1.7 million members and over $1 billion saved collectively, Qapital transforms passive spending behavior into active, goal-oriented wealth-building through behavioral science.

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