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The banking app Qapital allows users to set unlimited savings goals and develop rules to trigger automatic savings. "It helped me get organized around an emergency savings account (and) down payments for important financial decisions like a car," says Josh Tammaro, a 27-year-old from Boston. "Using Qapital's rules and goal-based savings accounts helped make saving more actionable and rewarding." For instance, Tammaro created a rule that whenever he used the Lyft ride-sharing service, Qapital would transfer $5 toward his savings goals of a down payment on a car. A basic plan on Qapital costs $3 a month. Plans that include a debit card and investment options cost $6 and $12 a month.


Giving back: By using Circle, you earn "Community Giving Program votes" with every transaction, regardless of payment type. You then have a say in where Target directs its charitable giving. Cast votes for organizations through the app or website. Target says members have directed nearly $7 million to more than 2,500 local and national nonprofit organizations since Circle started.



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