En español | How it works: Link your bank account to a separate “tip jar” account for rewarding yourself when you reach a goal. Upgrade to a paid version and you can set up regular automatic tips.
What I liked about it: You don't need a debit or credit card payment for it to work and the app isn't blindly automated. Instead, I could tip myself whenever and however much I wanted.
Stay away if … You're not a goal-oriented person or if patting yourself on the back feels like a contortion.
Cost: Free for the basic version
How it works: Money automatically jumps from your everyday bank account into a new “goals” account, based on the rules you pick. Each time you buy a latte, for example, another $4 goes to your emergency savings or an investment account.
What I liked about it: I got rewarded for my guilty pleasures.
Stay away if … You're not into setting rules. Some folks might enjoy customizing the app's Freelancer, Spend Less and Apple Health rules, but not you.