Qapital
Qapital is a US-based consumer fintech offering a subscription mobile app that automates saving, investing, budgeting, and debt management for individual consumers and couples through behavioral-economics-driven rules and bank-integrated accounts.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Qapital does
Qapital is a US-based consumer fintech founded in 2013 with operations spanning New York (headquarters at 169 Madison Ave) and Stockholm, Sweden. The company operates a subscription-based mobile application targeting individual consumers, couples, and Gen Z/millennial users seeking automated money management. Its core platform unifies four product lines: Save (goal-based automated savings with 15+ behavioral triggers including round-ups, payday rules, and Apple Health/IFTTT integrations), Invest (SEC-registered investment advisory through Qapital Invest, LLC with broker partners Apex Clearing and Wedbush Securities), Budget (Payday Divvy for automated paycheck allocation), and Debt Wrangler (debt tracking and payoff automation). Distribution is entirely mobile-first and product-led, with iOS and Google Play presence, 3.5M+ downloads, Google Play Editor's Choice designation, and 99k+ five-star reviews.
The business model is built on a three-tier subscription structure: Basic at $3/month (savings only, with FDIC-insured partner bank accounts at Lincoln Savings Bank), Complete at $6/month (adds debit card spending and investing), and Premier at $12/month (early access to features). A 30-day free trial drives top-of-funnel acquisition. The platform also generates ancillary revenue through asset-based fees on the Wedbush Next premium investment tier, and likely interchange revenue from the Qapital Visa Debit Card issued by Lincoln Savings Bank. Backed by approximately $47M in disclosed funding from Northzone, Swedbank Robur, Anthemis, Industrifonden, SEB, and Rocketship.vc, Qapital has scaled to over 2 million members who have collectively saved more than $3 billion. Strategic differentiation rests on a behavioral-economics-driven gamification layer and a regulatory stack (FDIC, SIPC, SEC-registered RIA, FINRA-member brokers) that creates a high entry barrier relative to un-regulated savings apps.
Qapital firmographics
Firmographics- Name
- Qapital
- Legal name
- Qapital, LLC
- Website
- https://qapital.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Qapital is a US-based consumer fintech offering a subscription mobile app that automates saving, investing, budgeting, and debt management for individual consumers and couples through behavioral-economics-driven rules and bank-integrated accounts.
- Ownership category
- akta.pro rank
Qapital industry classification
Industry- Product category
- Personal Finance Management
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
- akta.pro secondary industry
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
Keywords
Where Qapital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Qapital business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Membership: Three-tier subscription model (Basic $3/mo, Complete $6/mo, Premier $12/mo) providing tiered access to savings, spending, and investment features. Revenue generated through monthly recurring subscription fees with annual billing option.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic - Set-and-forget saving with goal management |
| Subscription | Monthly | Complete - Adds spending and investing to savings |
| Subscription | Monthly | Premier - Full-featured money management |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Qapital product offering
Product offeringCore offering
Qapital operates a unified mobile money management application that automates saving, investing, budgeting, and debt management through set-and-forget rules and behavioral economics gamification. The platform combines an FDIC-insured savings/checking experience (powered by Lincoln Savings Bank), SEC-registered investment advisory services (Qapital Invest, LLC), and a Visa debit card, with subscription tiers ranging from $3 to $12 per month after a 30-day free trial.
Product overview
Qapital is a fintech company offering a unified money management platform with three subscription tiers (Basic at $3/month, Complete at $6/month, and Premier at $12/month). The core platform centers on three interconnected products: Save for automated goal-based savings with 15+ rule triggers, Invest for SEC-registered portfolio management with ready-made plans, and Budget for income allocation via Payday Divvy. The ecosystem includes collaborative features (Dream Team for couples), a proprietary debit card (Qapital Visa Debit Card), debt management tools (Debt Wrangler), and premium investment services (Qapital Invest, Wedbush Next). The platform emphasizes behavioral economics principles and gamification to automate financial decision-making through set-and-forget mechanisms.
Differentiator
Problem solved
Functional benefit
Products and services
- Qapital (Core App) A comprehensive money management app that integrates financial planning into daily life through set-and-forget automation tools for saving, investing, budgeting, and debt management, sold on a monthly subscription.
- Save Automated savings feature letting users create unlimited personalized savings goals and trigger automatic money transfers via rules such as round-ups, paydays, or fitness achievements; funds held at FDIC-insured partner banks.
- Invest Investment account feature providing ready-made investment plans based on user-defined timeline, target amount, and risk tolerance, with automatic diversification across low-cost funds.
- Budget Budgeting tool that automatically splits income across expenses, savings, investments, and spending the moment users get paid, managed through Payday Divvy.
- Dream Team Couples financial collaboration feature allowing partners to share goals, view account balances and transactions, and contribute to shared savings goals while maintaining privacy controls over what information is shared.
- Qapital Visa Debit Card FDIC-insured debit card issued by Lincoln Savings Bank enabling spending directly from Qapital accounts, with instant digital card access, automatic payday loading, and fee-free ATM withdrawals.
- Debt Wrangler Automated debt management tool that helps users track what they owe, choose payback strategies, automate loan payments, and explore refinancing options, with credit score tools and up to $1M identity theft protection.
- Qapital Invest SEC-registered investment advisory service providing automated portfolio management with ready-made investment plans, low-cost fund diversification, and integration with brokerage partners Apex Clearing and Wedbush Securities.
- Wedbush Next Premium investment account tier powered by Qapital with an asset-based fee structure instead of subscription pricing, provided in partnership with Wedbush Securities Inc.
Quantifiable outcome
- 30% savings increases reported through gamified features
- +5 more outcomes
Companies that use Qapital
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Qapital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature4 records
Qapital partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Lincoln Savings BankcoreFDIC-insured partner bank providing checking account, savings account, and debit card services. Qapital Save and Spend accounts are maintained by LSB. The Qapital Visa Debit Card is issued by Lincoln Savings Bank, Member FDIC.
- Apex Clearing CorporationcoreSEC-registered broker-dealer and member FINRA/SIPC providing brokerage services for Qapital Invest accounts. One of two partner brokers as of March 2025.
- Wedbush Securities Inc.coreSEC-registered broker-dealer and member FINRA/SIPC providing brokerage services for Qapital Invest accounts and Wedbush Next powered by Qapital. Partner broker as of March 2025.
- Plaid Inc.coreAccount linking and aggregation services provider enabling transfer of personal information to and from external financial accounts and Qapital accounts.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Qapital competitors and assessment
Company assessmentDirect peers
- Digit: Direct competitor in automated, rules-based savings for consumers; offers similar set-and-forget savings mechanics and was acquired by Opploans, validating the category while removing an independent competitor.
- Acorns: Micro-investing and automated savings app targeting similar Gen Z and millennial consumers with subscription tiers; competes directly on round-up savings, goal-based investing, and subscription pricing model.
- Stash: Subscription-based investing and banking platform for retail consumers; overlaps with Qapital Invest, budgeting tools, and the same demographic of digitally native savers and investors.
- Albert: Financial wellness app combining automated savings, budgeting, and investing with subscription tiers; very similar product surface to Qapital Complete/Premier with comparable target customer.
- Rocket Money: Personal finance app with subscription model focused on budgeting, subscription management, and bill negotiation; comparable D2C PFM go-to-market and pricing structure.
- Greenlight: Family-finance and kids' debit card app with subscription pricing and goal-based savings; competes for the same household financial management use case, particularly the couples and family segment.
- Current: US neobank targeting Gen Z and millennials with checking, savings, and investing features; subscription tiers overlap with Qapital Complete/Premier and serve an overlapping demographic.
Broad incumbents
- Chime: Large US neobank with free checking, savings automation features, and earned-wage access; overlaps with Qapital's Save and Spend accounts but at much greater scale and with no subscription fee.
- Cash App: Block's consumer finance super-app offering free savings, investing, and banking features; competes broadly with Qapital on automated savings and investing for younger consumers.
Emerging players
- Dave: US fintech offering cash advances, budgeting, and banking with subscription model; overlapping target market of underbanked and financially stressed consumers seeking automated money management.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key highlights7 records
Customer concentration
Qapital social profiles
Digital presenceQapital compliance and trust
Trust signalCompliance7 records
Qapital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Qapital leadership team
Management profileNumber of profiles
Profiles9 records
Qapital subsidiaries and ownership
Company hierarchySubsidiaries2 records
Qapital funding detail
Funding detailFunding overview
Funding rounds7 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Qapital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Qapital
What does Qapital do?
Qapital operates a unified mobile money management application that automates saving, investing, budgeting, and debt management through set-and-forget rules and behavioral economics gamification. The platform combines an FDIC-insured savings/checking experience (powered by Lincoln Savings Bank), SEC-registered investment advisory services (Qapital Invest, LLC), and a Visa debit card, with subscription tiers ranging from $3 to $12 per month after a 30-day free trial.
Is Qapital a public or private company?
Qapital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Qapital founded?
Qapital was founded in 2013. It employs 51 to 100 people.
Where is Qapital based?
Qapital is headquartered in New York, United States, in the North America region.
How does Qapital make money?
One revenue line is on record: subscription Membership.
Who are Qapital's main competitors?
Direct peers on record are Digit, Acorns, Stash, Albert, Rocket Money, Greenlight and Current. Broad incumbents are Chime and Cash App. Dave is listed as an emerging player.
Does Qapital have an API?
No public API is recorded for Qapital.
What industry is Qapital in?
Qapital's product category is Personal Finance Management. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management, with a secondary code of FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value). Its NAICS code is 523940 and its SIC code is 6282.