Under the leadership of behavioral economist Dan Ariely, Capital prompts users to save for a specific purpose, say a vacation or concert tickets. It operates off the idea that you’re more likely to want to put aside money for something you’re really excited about. To reach these goals, the app lets you choose between features like “Roundup Rule,” which rounds up to the nearest dollar every time you make a purchase and puts the extra change aside, and “Payday Rule,” which saves a percentage of every paycheck. The monthly fee is $2.99 for the basic service, and it goes up to $12 for the master plan, which includes access to special webinars and in-app challenges.

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