It takes time and effort to save toward your goals, which is why I love Qapital, a free app that makes saving fun and effortless. Just pick a goal (down payment, summer vacay, student loan paydown, etc.) and customize how you want to accomplish it. For example, Qapital can round up your everyday purchases to the nearest dollar. Another idea is to instruct Qapital to transfer cash every time you get paid. Or set a budget for a special category and automatically save what you underspent. Qapital can also move cash into savings every time you hit the gym by connecting to your fitness apps. The options are endless! The app is super intuitive and will help you hit your savings goal before you know it.