Tag: digit

Top AI Apps that help you save Money

AI applications for saving money will track spending, locate bargains, and automatically set budgets for users. These apps alert users about discounts and coupon suggestions, draw attention to unused subscriptions, and assist users in canceling them with ease. These apps usually learn the spending habits of their users and encourage smarter decisions with the option to compare prices and app information before making purchases. Some will assist in splitting bills with friends, while others help in tracking savings goals, making it easier to set something aside each month. A lot of tools offer just simple graphs of expenses and savings for easy catching of trends.

App	Core Features	Platform Availability
Cleo	Chatbot-style budgeting, savings challenges, cash advance (up to $250), credit builder card	iOS, Android
Wally	Global expense tracking, 60+ currencies, visual dashboards, joint/group budgeting	iOS
Rocket Money	Subscription tracking & cancellation, bill negotiation, spending insights, auto-saving	iOS, Android, Web
Monarch Money	Unified tracking (bank, loans, investments), family collaboration, Sankey cash-flow charts	iOS, Android, Web
Plum	Auto-savings, round-ups, bill switching, pension consolidation, investment options	iOS, Android (UK/EU focus)
Acorns	Round-up investing, automated portfolios, retirement accounts, family/child accounts	iOS, Android
Trim	Subscription cancellation, bill negotiation, budgeting tools, finance concierge	Web (mobile-friendly)
PocketGuard	Expense tracking, “In My Pocket” leftover-cash view, bill negotiation, debt payoff planning	iOS, Android
YNAB Smart Planner	Zero-based budgeting, scenario planning, goal tracking, group budgeting (YNAB Together)	iOS, Android, Web

Cleo

Website	cleo.ai
Rating	4.6
Free Trial	Yes
Best For	Personal finance management with AI-powered budgeting, saving, and spending insights through a chatbot interface.

AI-driven Cleo is an application that helps people save money by tracking spending, with budget tips, and suggestions for customized savings challenges. Feedback from the chatbot is in a fun chat style, with alerts for bills, and the emergency provision of cash advances of up to $250. Users can gain insights into their spending for a basic free service or upgrade for more extras like credit-building, overdraft alerts, and high-yield savings. This money management app lowers stress through active reminders and a flirtatious approach. Access to the Cleo learning algorithm tracks harmful spending patterns and encourages users to develop better habits using simple goal-setting and handy tools.

Pros

Automated savings challenges and the categorization of expenditures
Emergency cash advances of up to $250 Credit
Builder card for raising credit scores

Cons

Some features are behind paywalls
Doesn’t offer direct bill payment

Pricing

Check Play Store/App Store

Wally

Website	wally.me
Rating	4.5
Free Trial	Yes
Best For	Individuals seeking smart expense tracking, budgeting, and personal finance management with global currency support.

Wally gives a helping hand to save money in AI by tracking spending, setting budgets, and organizing loans in one place. It connects to bank accounts worldwide, manages currencies, and presents easy-to-understand charts on every bill, budget, and goal. Users enjoy daily expense tracking, automatic updates, and smart reminders as to when to pay. The app is activated for families or individuals with highly secure syncing and group money-tracking features. Wally’s clean design is best suited for visual learners and keeps budgeting fun. The users can check out their financial health across all their accounts and gain key insights into where their money goes, helping them fine-tune their habits towards saving more.

Pros

Connects with 15000 banks all over the world, from 70 countries.
Cater to 60 currencies for a traveler or global user; has goal planning
Visualized dash boards for tracking very easy for everyone.

Cons

Limited to iOS only, with no Android edition.
Not all joint budgets or unlimited accounts have appeared in the free version.

Pricing

Check Play Store/App Store

Rocket Money

Website	rocketmoney.com
Rating	4.4
Free Trial	Yes
Best For	Users who want to manage subscriptions, track spending, lower bills, and improve savings with personalized finance tools.

Rocket Money is an app powered by AI to track your spending, identify and delete unused subscriptions, and haggle with service providers on your behalf to save money. It links up to your bank, pinpoints repeat payments, and offers you simple-to-use displays, showing you how you’re doing against your budget. Smart reminders paired with automatic saving make managing money easy while premium features provide a credit report, net worth tracking, and unlimited budgets. The smooth design works easily on iOS, Android, and desktop for speedy access, thereby ensuring that financial health tools are just a click away. Rocket Money helps users to expose wastage and increase their savings almost effortlessly.

Pros

Concierge fast subscription cancellation option
Bill negotiation service that can effortlessly reduce expenses
Visual spending snapshots for smart tracking

Cons

The bill negotiation fee is 30-60% of first-year savings.
No investment management or comprehensive financial planning.

Pricing

Check Play Store/App Store

Monarch Money

Website	monarchmoney.com
Rating	4.7
Free Trial	Yes
Best For	Families and individuals seeking collaborative budgeting, financial tracking, and goal planning with bank sync and investment insights.

Monarch Money comprises an advanced AI budgeting system that integrates bank accounts, credit cards, loans, real estate, and investments into one place, apart from tracking spending. It arranges all the transactions and identifies subscriptions that can be canceled easily. Each user can get specifically designed budgets, detailed charts, and investment analysis while tracking real-time statuses of their goals via a clear and easy-to-use design. Monarch incorporates family collaboration, supports bank-level security, and provides syncing with over 13,000 institutions. It is designed for iOS, Android, and web-based platforms, making intelligent budgeting and saving easy for individuals as well as households looking to maintain complete control of their finances.

Pros

Consolidated dashboard overview for all accounts
Profound investment and goal tracking
Sankey diagram and advanced visualizations on the cash flow

Cons

Premium pricing that is higher than most alternatives
With certain banks, the syncing issue may arise randomly

Pricing

Plan	Pricing
Monthly	$14.99 / month
Yearly	$8.33 / month

Plum

Website	withplum.com
Rating	4.5
Free Trial	Yes
Best For	Automated saving and investing app that helps users budget smarter, grow savings, and invest effortlessly using AI insights.

Plum is an application powered by Artificial Intelligence that automatically saves money for its users after analyzing their expenditure and depositing small amounts into savings accounts. It also provides round-up facilities and custom savings modes, bill-switching to reduce utility costs, and invests for individuals into professionally managed funds or ISAs. Plum connects with UK banks, advises how to save, allows instant access to money held, reinforces helpful reminders, and provides finance breakdowns. Users grow wealth through smooth auto-deposits and could also keep track of their budgets, set goals, and consolidate pensions all in one secure, easy-to-use app. The simple and adaptive AI makes it seem effortless to save and helps users save without changing their routine.

Pros

Habitual auto-saving that doesn’t stress you out
Bill swapping gets you through a deal at breakneck speed
Roundups increase the lift into savings by collecting spare change

Cons

Only paid plans can feature investment tools.
International access limitations apply.

Pricing

Plan	Pricing
Plus	$5.39 / month
Boost	$10.79 / month
Max	$16.19 / month

Acorns

Website	acorns.com
Rating	4.6
Free Trial	Yes
Best For	Beginners looking to start investing easily through round-ups, automated portfolios, and long-term wealth-building tools.

Acorns is hugely reliant on artificial intelligence to help with money savings and investment-aiding people. The extra amounts include the pennies rounded up from cash purchases and the difference allocated into portfolios made by experts for consumers. Thus, investment automation, finances gained through purchases, and fractional stock purchases are all made available within the application. This portfolio includes retirement accounts and opportunities for investing in a socially responsible way. Acorns Early is an account available to parents through which, through Acorns, they can manage their children’s accounts. It allows recurring contributions and saves simple lessons on money. It is, of course, safeguarded by very trusted custodians and with amazing safety.

Pros

Round-up investing makes saving effortless.
Start investing with little money.
Cash-back rewards with select purchases.

Cons

Fewer portfolios to choose from–no custom picks.
No access to human advisors for individualized assistance.

Pricing

Plan	Pricing
Acorns Bronze	$3 / month
Acorns Silver	$6 / month
Acorns Gold	$12 / month

Digit

Website	digit.co
Rating	4.4
Free Trial	Yes
Best For	Individuals seeking automated saving, budgeting, and investing tools that adapt to spending habits and financial goals.

Digit is your financial app for savings powered completely by AI; depositing of cash is simplified, made absolutely effortless, eliminates all stress. It takes into consideration all the income, bills and spending, and then moves small amounts from checking to savings without needing any planning. The app can save automatically, pay bills, pay down debt, save small discretionary amounts, and even create retirement goals. It sends instant alerts each time a transfer is made and helps avoid an overdraft. You can also set up personal rules for getting to your savings target more quickly. Designed simply, with dashboards that are clear, it fits the busy person who wants to track his funds on the go.

Pros

Savings are automatically adjusted to income and habits.
Includes bill payment and debt paydown tools.
No need for manual transfers—progressive saver.

Cons

Some features limited to US-based accounts.
Requires sharing bank login information to achieve full automation.

Pricing

Plan	Pricing
Essentials	$65 / month
Core	$100 / month
Professional	Custom

Trim

Website	asktrim.com
Rating	4.3
Free Trial	Yes
Best For	Users wanting to cancel unwanted subscriptions, negotiate bills, track spending, and save automatically with AI-driven insights.

Trim is an AI-powered app designed to help users save money and make managing their expenditures easier. It scans transactions for repeated charges and cancels unwanted subscriptions. Trim also negotiates reduced bills for cable, internet, and utilities, thereby allowing users to save without any hassle. The app includes a free budgeting tool that makes it very easy to track expenses and set goals. With bill negotiation, customers only pay a fee if savings are secured, making it a risk-free process. For further assistance, a finance concierge personally counsels the user on a pay-what-you-want basis. Trim is running on a secure, mobile-friendly website rather than a mobile app, so that anyone can get started quickly.

Pros

Payments are required only if savings are secured.
All users get free tracking and cancellation of subscription.
It gives a fair opportunity for a personal finance coach.

Cons

Budgeting tools are not a strong suit versus the top competitors.
Success fees deducted at the inception can affect the expenses of the present month.

Pricing

PocketGuard

Website	pocketguard.com
Rating	4.5
Free Trial	Yes
Best For	Individuals who want to control spending, track bills, and optimize budgets with a simple “In My Pocket” money management view.

PocketGuard is an AI budgeting app that helps people track expenses and save more easily. It links directly with bank accounts and credit cards, sorting spending and bills into one neat space. And since the app auto-categorizes transactions, it can find ways you might save money, and it uses its “In My Pocket” tool to show you just how much cash you’ve got left after your goals and payments. Users can set custom goals, build rollover budgets, and plan for debt payoff. Alerts in real-time warn against any out-of-the-ordinary spending, while bank-grade security stands watch to protect the user’s data.

Pros

Free cash budgetary tracker just for “In My Pocket” use.
Negotiates your bills with major providers.
Live alerts and security features.

Cons

Specific transactions require manual entry.
Most features need premium

Pricing

Plan	Pricing
Monthly Plan	$12.99 / month
Yearly Plan	$6.25 / month

YNAB Smart Planner

Website	ynab.com
Rating	4.8
Free Trial	Yes
Best For	Users seeking proactive budgeting with real-time tracking, goal planning, and debt payoff strategies using the YNAB method.

YNAB Smart Planner is an artificial intelligence-driven budgeting application based on a zero-sum budget, so that every single rupee is accounted for: from bill payments to savings. It connects with bank accounts, categorizes expenses, and forecasts cash flow to keep the user one step ahead. Scenario tools allow users to prepare for risks or changes in their lives. An “age of money” report gives insight into financial health, while real-time goals with detailed breakdowns leave no doubt as to where one could cut back. YNAB Together allows groups of a maximum of five people to budget together. The app is available on mobile and desktop to give its users full control from anywhere.

Pros

Unique Zero-based budgeting for maximum savings.
Scenario planning and goal tracking using AI.
Share budgets with a maximum of 5 users (YNAB Together).

Cons

No automatic cancellation of subscriptions.
Manual and time-consuming management of budgets.

Pricing

Plan	Pricing
Monthly Plan	$14.99 / month
Annual Plan	$9.08 / month

Conclusion

The apps help in saving money by letting people make intelligent choices easily. They keep a track of the expenses, identify the wasteful ones, and increase savings with little effort. Each of them has a simple dashboard and uses data to show where cash flows, so one can change his/her habits easily. With the assistance of bill alerts and budget tips, people get the required track to pursue. Some offer cash-back, round-ups, or even help with investments, so that to feel that growing wealth is automatic. Group plans make savings for the families easy, and reminders help avoid late fees. Using advanced security, these applications keep money safe while guiding smarter moves.

FAQs

How do AI money-saving apps work?

AI-powered finance apps track your spending, categorize expenses, locate bargains, suggest coupons, and even cancel unused subscriptions.

Are AI budgeting apps safe to use?

Yes, most leading apps use bank-level encryption and security measures.

Can AI finance apps help improve credit scores?

Yes, apps provide a Credit Builder card that helps users build or repair their credit history while also tracking spending and offering savings challenges.

September 6, 2025

Best Money Saving Apps in India: Daily Digital Piggy Bank Apps to Grow Your Savings

How many times have you broken your pot to withdraw your savings from the piggy bank? If you’ve also done this, then you know the temptation to break the pot and take the money out. But this was a traditional method of saving. In this era, you can save whenever you spend. Want to know how? Then stay tuned with this article.‌‌

So many tactics we adopt in order to save our money for our future needs. Traditionally, we used to save our money in piggy banks. Whenever we have some extra pennies, we put that money in a piggy bank and wait until it is full. This way, we accumulate a handsome amount of money through small savings.

As mentioned, this is a traditional method, but today we have the privilege to use digital technology for saving as well. Now we can automate our savings without any extra hustle by leveraging the benefits of digital savings apps. These apps are designed to boost savings by contributing a small chunk of daily spending into gold or investing it into different portfolios, which, with large returns, yields a handsome profit.

What Are Digital Saving Apps?

Digital saving apps facilitate saving by leveraging AI and technology. These apps help you to save every single penny, and in addition to that, provide interest on it. You can create your goal for future spending and start saving for that goal now. Each day, when you see yourself going toward your goal will create a habit of saving in you and motivate you to continue further.

Top 12 Digital Saving Apps

There are many digital savings apps in the market, but the following are the best digital apps that you must try to make a profit.

S.No.	App	Key Benefit for Users	Best For
1	Gullak	Automates small savings from daily expenses	Users who want micro-savings without effort
2	Spenny	Invests spare change into digital gold	Beginners looking to save + invest
3	Fello	Gamified savings with rewards	Gen Z/Millennials who like gamification
4	Wizely	Goal-based savings with rewards	People who like setting & tracking goals
5	Fi money	Smart savings, spending insights, and rewards	Salaried professionals managing money
6	Jar	Saves spare change in digital gold	First-time investors & savers
7	Jupiter	Smart banking with budgeting & tracking tools	Tech-savvy users wanting a neobank
8	Deciml	Invests spare change in mutual funds	Young adults wanting passive investing
9	Cred	Rewards for paying credit card bills on time	Credit card users seeking rewards
10	YNAB	Powerful budgeting tool based on zero-based method	Serious budgeters seeking control
11	Digit	Automatically saves based on spending patterns	Busy individuals who want hands-off saving
12	Cash Karo	Earns cashback and coupons on online shopping	Shoppers who want to save while spending

Gullak

Rating	4.3/5
Best For	Micro-saving and auto-investing

Many of you are very much familiar with the word “Gullak”, as it is widely used by us for saving pennies and small amounts. Gullak is a goal-based saving app that helps to maintain consistency in saving and also to move towards your goal of saving. The amount we save in Gullak is invested in digital gold, which is 24k pure gold. This way, you can earn some interest on your savings through appreciation in the gold price.

Set your goal with as low as Rs 10 per day and automate the whole process of saving via the autopay facility. Currently, this app supports autopay from three UPI platforms like PhonePe, BHIM, and PayTM. You can adjust the contribution, pause, or revoke the autopay anytime.

The most influential feature of this app is saving on your spending. Whenever you spend your money digitally, it automatically rounds off the amount spent and invests in digital gold. For example, if you make a payment of Rs194, it rounds off the figure to the nearest 10 and invests the remaining amount of Rs6. This way, it accumulates a handsome amount of money by aggregating these small savings.

Features of Gullak

It invests in digital Gold provided by Augmont, where the buying and selling price is based on the wholesale market price.
Flexibility to change the duration of your goal, the amount of autopay, and the multiplier.
No KYC is needed for Gold investment below 30gm.

Spenny

Rating	4.5/5
Best For	Newbie Investors

Automate your saving habit with Spenny, which is a spare change investment platform. The working of this app is similar to Gullak, but it has certain advantages. Whenever you spend money digitally, it accumulates your transaction data, and based on your transaction, it rounds up the figure to the nearest 10.

It holds all your rounded-up money in a cart and invests the whole amount into your desired investment option. There is a minimum threshold limit in the cart set by you, which means it invests your money when this threshold is met.

Let me clear one most common doubts, it doesn’t deduct the money to round up whenever you make any transaction. It accumulates the spare change in the cart and only deducts the money via autopay when it reaches the threshold limit decided by you.

Features of Spenny

There is no lock-in period, which means you can withdraw your money whenever you want.
It provides multiple investment options like Pennywise, mutual funds, and digital gold.

Fello

Rating	3.7/5
Best For	Gaming Enthusiast

Fello is a game-based digital saving app that enriches the saving experience with the fun and joy of built-in games. It offers two investment options to save money: fellow flo and digital gold. Users can opt for any of these two options to grow their savings and earn some interest. Digital gold of Fello is provided by Augmont, which is a government, BIS, and NABL-accredited Gold provider.

Apart from saving and investing in Gold and Fello Flo, Users can play exciting games and win rewards. This app provides a token for every single rupee you save, and you can use those tokens to play games. Also, every Rs500 of weekly savings makes you eligible to win a tombola ticket.
A Tambola ticket is like a lucky draw coupon where you win a reward if your ticket number matches the leaderboard number. Every Friday at 6 PM, they announce the draw number.

Features of Fello

10% fixed return if you choose Fello Flo, which is a decent return compared to other fixed investment options available. This return may change anytime.
Along with the Fello Flo, the Digital Gold investment option is also available from a trusted provider, Augmont.
Win a Fello token every time you save some bucks, and use these tokens to play games.

Money Saving Apps

Wizely

Rating	4.2/5
Best For	Saving and future Plans

Wizely is a savings app to improve your financial discipline and make sure you never run out of money at the end of the month. This app comes with many exciting features and gives a reward whenever you take one step forward toward your goal. There are some saving plans already created, like an emergency plan, safety plan, and growth plan, or you can create your custom plan and start saving.

The funds are automatically saved in the form of digital gold to earn some interest. Whenever you save some money and fulfil the challenges, it will provide you with a wellness score and a scratch card. The reward earned through scratch cards can easily be transferred directly to the bank account through UPI. Wizely Wednesday is another exciting reward contest to win rewards up to Rs 25 lakh.
Your savings are in autopilot mode with Wizely, and it will also track your spending and all the transactions in one place.

Features of wisely

Budget creation and monitoring of the expenditure to build financial discipline.
Save more and take on challenges to win scratch cards and earn monetary rewards.
Expense categorization to prevent you from overspending.

Fi money

Rating	4.5/5
Best For	Working professionals

Fi Money is a one-stop solution for accounts, savings, investment, UPI, and lending. It is a neobank with a partnership with a federal bank that provides an enhanced banking experience to its customers. It is loaded with all the basic facilities of a traditional bank, with no minimum balance requirements and zero forex charges. RBI-approved Fi money insures your money up to Rs 5 lakh. Smart deposit is the piggy bank of this app to save money for your goals.

It allows you to save money for your vacations, a new house, a car, and many more. With the benefit of saving, it gives an interest of 5.45% on the amount you save. If you want to earn some extra interest of 5.95%, then you can simply switch to fixed deposits with the convenience of your smartphone.
For better convenience and transparency, it connects all your bank accounts to its platform so that you can view all your transactions and bank balances in one place.

Features of Fi money

Multiple saving and investment options are available to choose from, based on your saving goal.
The Fi jump feature to earn a fixed interest of 9% every year and see your investment grow every day. Also, withdraw your investment anytime to your account.
Have a collection of direct and commission-free mutual funds to invest in.

Jar

Rating	4.3/5
Best For	Micro saving and gold investment

Best Daily Saving App - Jar — Best Daily Saving App – Jar

Jar is a digital Gullak to save your hard-earned money into 24K digital gold. Just like you put pennies into your traditional Gullak, you can put spare change into a jar. This spare change is automatically debited from your account via UPI mandate. Jar is the best app for saving money in India digitally.

Whenever you make any digital transaction, Jar rounds up the value to the nearest 10 and invests the remaining spare change into your digital goal. SafeGold is the digital gold provider of Jar, which enables investing in digital gold to be feasible. One can easily withdraw the investment at any time with a single click.
Jar also provides real-time updates on Gold prices through the chart. Also, there is a spin reward awarded to you whenever you save some money in it.

Features of Jar

You can choose to withdraw your savings either into a bank account or in the form of physical gold, which will be directly delivered to your home.
There is no lock-in period and minimum amount for withdrawal.
Seamlessly automate your savings via autopay and pause or revoke it anytime.

Jupiter

Rating	4.4/5
Best For	Expense tracking and management

Jupiter is a federal bank-backed digital asset management platform that is loaded with banking facilities, investments, debit and credit card management, savings, and transaction tracking. Jupiter offers savings pots to save for future purchases. This pot lets you be aware of your savings for your goal and keeps you disciplined.
Apart from saving, you can also make investments in direct mutual funds with no commission. These are no-penalty mutual funds, which means you don’t need to pay any penalty for SIP default.

A zero balance account with no forex charge is another notable feature of this app. Just like Fi money, you can configure your bank accounts and see all your transactions and bank balances at one single interface. It provides a Jupiter debit card with no annual maintenance charge. Earn a reward of 1% whenever you make a purchase using this card, also freeze and sleep the card with a single tap.

Features of Jupiter

Categorized insight into all the expenditures made through any of your bank accounts.
Intuitive interface to manage everything at a glance.
Get a 1% reward not only on debit card transactions but also on purchases through UPI.

Deciml

Rating	4/5
Best For	Daily basis investment into different portfolios

Deciml is the next app on our list of digital portfolios. Like other saving apps we discussed so far, this also has the functionality to save your spare change and invest in a fixed return instrument. This supports all debit cards, credit cards, UPI, net banking, and ATM transactions to accumulate spare change.

While other apps invest your spare change in digital gold or mutual funds, this app invests your money into Lendbox. Lendbox is a P2P investment platform certified by the RBI. It invests your money into a diversified portfolio to earn interest on your savings. Deciml is currently working on implementing mutual funds and crypto in its investment portfolio. It’s a piggy bank app in India that supports all credit cards and helps you save money.

Features of Deciml

The main feature of Deciml, which differentiates it from Jar and Gulllak, is that it invests your spare change on a daily basis. It doesn’t wait to reach a certain amount to invest.
Offers return up to 10%, which is approximately 3X the savings account return, and 2.5X the FD return.

Cred

Rating	4.7/5
Best For	Credit card users

Cred is a credit card management app that delivers amazing credit card-related services that eventually help you save a lot of money. The use of Credit cards is now very common among people, also most people tend to hold more than one credit card at a time. Credit cards come with a lot of benefits, only if you use them in a disciplined manner, and here Cred plays an exceptional role.

It helps in the timely payment of your credit card dues by reminding you of the due date. You can monitor all your credit cards in one place, their spending, EMIs, outstanding amount, and many more things. Apart from making you disciplined in credit card use, it also showcases the hidden charges associated with these cards.

It offers free credit scores to you from top credit rating agencies like Experian and CRIF. Cred allows you to become a member if you fulfil certain eligibility criteria. It checks your credit score when you apply for membership and approves you as a member if your credit score falls above the eligible score.

Features of Cred

Whenever you make a credit card bill payment through this app, it will reward you the Cred coins by which you can use to unlock exclusive rewards.
Since your Credit score depends on your credit behaviour, this app uses AI to provide you with the statistics of your spending patterns and usage.
Multiple credit card management facilities in one app, now there is no need to download separate apps for all your cards.

YNAB

Rating	3.7/5
Best For	Creating and Tracking Budget

YNAB (You Need a Budget) is an app that acts as your personal finance manager that taking care of all your finances. It helps to manage all your finances in one place and also to make smart financial decisions. Integrate all your bank accounts in one place and see all your finances.

The goal-tracking feature will help you to track your progress at a glance. This app doesn’t allow you to save money on it, but it helps in different aspects of saving. Smart categorization of your expenses will help you monitor your expenses at the top.

Features of YNAB

Target setting for your goal to achieve it even faster.
Adjust your spending and move the money from one category to another seamlessly.
Easy monitoring of spending, goal progress, and budget.

Digit

Rating	4.4/5
Best For	Automated, Hands-Off Savings

Digit is an AI-powered savings app that automatically analyzes your spending habits and moves small amounts of money into savings without you noticing. It helps you save for multiple goals like emergency funds, vacations, or debt repayment. The app removes the need for manual budgeting or transfers, making it ideal for people who want a hands-off approach to saving. Digit also offers features like overdraft prevention and investment options. It’s especially useful for users who struggle with consistent saving habits.

Features of Digit

Digit analyzes your income and spending habits to save small, safe amounts daily without manual input.
You can create multiple savings goals like travel, emergency funds, or debt repayment, and Digit allocates funds accordingly.
Digit monitors your bank balance and transfers money back if needed to help you avoid overdraft fees.

Cash Karo

Rating	4.2/5
Best For	Cashback and Coupons on Shopping

CashKaro is a cashback and coupons platform that helps users save money on online shopping. When you shop through CashKaro’s partner links, you earn real cashback on purchases from sites like Amazon, Flipkart, Myntra, and more. The cashback can be transferred to your bank account or redeemed as gift cards. It also offers exclusive deals and coupons to boost your savings. Ideal for regular online shoppers who want extra value on every purchase.

Features of CashKaro

You earn cashback when you shop on popular sites like Amazon and Flipkart through CashKaro.
It gives you exclusive coupon codes to save more money.
You can refer friends and earn extra cashback from their purchases.

Conclusion

Saving and investing for a future goal is the best thing you can start today, and these digital savings apps will help you in your journey. Today, we have a plethora of investment and saving options to choose from. You need to choose the right option that best suits your goals and requirements.‌‌ Don’t think too much, just create your goal and start saving by choosing the best-saving App from the list we have provided.

FAQs

What are the benefits of Digital savings apps?

Digital savings apps can make the process of saving money easier over time. You can fill your piggy bank automatically so that savings goals can be met without stress, and it also helps you on tough days by automatically saving for you as you are spending. Some apps are programmed to make payments rounded off to the nearest whole number and save away the “change” you would receive if the transaction were done in cash.

Why is saving important?

Saving provides a financial “backstop” and provides financial security and freedom, and it also secures you in case any financial emergency arises. One can avoid debt, pay off loans, live their dream life, and avoid further debt if they have saved a sufficient amount.

Which are the apps like Jar?

Some of the apps like Jar

Gullak
Cred
Spenny
Fello
Wizely
Fi Money
Jupiter
YNAB
Deciml

Which is better in Gullak vs Jar?

Gullak and Jar are both digital savings apps that help you save money easily, but they work a bit differently. Gullak focuses on automating small savings by rounding off your daily expenses and putting the extra change aside, making saving effortless. Jar, on the other hand, also saves your spare change but invests it directly into digital gold, helping your savings grow with potential returns. So, if you want simple, automatic saving, Gullak is great. But if you want to invest your small savings in gold, Jar is a better choice.

July 18, 2025

Virat Kohli’s Game-Changing Investments | Startups He Owns and Invests In

The Indian cricket team extends its influence beyond the field, with several cricketers making strides in the business sector. Top cricketers such as Sachin Tendulkar, M.S. Dhoni, and Virat Kohli have invested in numerous startups. Among these Indian cricketers, we will focus on Virat Kohli and his funded startups in this StartupTalky article.

Besides excelling in the field, he is well-established in the business sector. Kohli is recognised as India’s most valuable celebrity, with a brand value of $227.9 million as of 2024. In addition to owning several brands, including WROGN, he has invested in various startups. Recently, he has been actively engaging with emerging startups, some of which he and his wife, Anushka Sharma, have funded together.

Kohli is known for investing in startups across various sectors, including health, insurance, and travel. One of his most notable investments is in the Indian fintech startup Go Digit General Insurance Limited.

In this article, we will discuss Virat Kohli’s investments in startups. So, without any further ado, let’s get started.

Virat Kohli Investments List

Virat Kohli Invested Companies	Founded Year	Headquarters	Sector & Sub-Sector
Agilitas	2023	Bengaluru	Consumer Goods > Apparel Brands
Rage Coffee	2018	Delhi	Food and Agriculture > Food & Beverage Products
BlueTribe	2020	Maharashtra	Food and Agriculture Tech > Food Tech
O’cean Beverages	2015	Maharashtra	Food and Agriculture > Food & Beverage Products
SPORTSBIZ	1999	New York	Consumer > Sports Services
Wrogn	2012	Karnataka	Consumer Goods > Retailers
Digit Insurance	2016	Karnataka	FinTech > Internet First Insurance Platforms
MPL	2018	Karnataka	Consumer > Sports Tech
HyperIce	2011	California	Consumer > Sports Tech

Virat Kohli Investments in Startups

Agilitas
Rage Coffee
Blue Tribe
Universal Sportsbiz
Galactus Funware Technology Pvt Ltd
Digit
Chisel Fitness
Hyperice

Virat Kohli’s Business Ventures & Brand Collaborations

One8 Commune
Nueva
Puma One8
FC Goa
UAE Royals
Bengaluru Yodhas
Wrogn
Stepathlon Kids

Virat Kohli Investments in Startups

Here is the list of startups Virat Kohli has invested in:

Agilitas

Company Name	Agilitas
Founder	Abhishek Ganguly, Atul Bajaj, Amit Prabhu
Virat Kohli Investment	Undisclosed

In April 2025, Virat Kohli invested an undisclosed but reportedly significant amount in Agilitas, a sportswear and athleisure startup based in Bengaluru. The company was founded in 2023 by former PUMA India executives Abhishek Ganguly, Atul Bajaj, and Amit Prabhu. Kohli’s role goes beyond being a brand ambassador; he is also a co-creator, aiming to grow his lifestyle brand, One8, through standalone stores in India and international markets like the US and UK. This partnership follows the conclusion of his deal with Puma and fits with Agilitas’ goal of changing the Indian sportswear industry by using innovation and technology in its products.

Rage Coffee

Company Name	Rage Coffee
Founder	Bharat Sethi
Virat Kohli Investment	Undisclosed

Rage Coffee – Virat Kohli Investment in Startups

Virat Kohli invested an undisclosed amount in Rage Coffee on 23rd March 2022 and was appointed as the brand ambassador for the New Delhi-based coffee brand. This partnership aims to enhance Rage Coffee’s brand presence and credibility. The company plans to utilise the investment to scale production, launch innovative products, and strengthen its senior management team.

One of the top coffee startups in India, Rage Coffee is co-owned by founder and CEO Bharat Sethi, Sixth Sense Ventures, cricketer Virat Kohli, and actor Rannvijay Singha. In August 2024, GRM Overseas acquired a 44% equity stake in Swmabhan Commerce Pvt Ltd, the parent company of Rage Coffee, through a combination of primary infusion and secondary buyouts.

Blue Tribe

Company Name	Blue Tribe
Founder	Nikki Arora Singh, Sandeep Singh
Virat Kohli Investment	Undisclosed

Celebrity couple Virat Kohli and Anushka Sharma have invested in Blue Tribe, a startup specialising in plant-based meat products. The company aims to manufacture and distribute delicacies such as frozen minced chicken, chicken nuggets, keema, sausages, and momos. This investment adds another promising venture to Virat Kohli’s portfolio.

Blue Tribe was founded by Sandeep Singh and Nikki Arora Singh in 2017 as a meat alternative startup. The company claims to use vegetables like peas, soybeans, lentils, grains, and more, all of which are known to provide a mix of proteins, vitamins, and other nutrients necessary for healthy living.

Anushka Sharma and Virat Kohli have been following a meat-free diet for many years. In a statement dated 8th February 2022, Anushka Sharma expressed their desire to “tell people how they can be more conscious and leave less impact on the planet by switching to a plant-based diet.”

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StartupTalkyMuskaan Kapoor

Universal Sportsbiz

Company Name	Universal Sportsbiz
Founder	Anjana Reddy
Virat Kohli Investment	INR 19.3 crore ($2.6 million)

Universal Sportsbiz Pvt Ltd (USPL) is a prominent fashion startup founded in 2012 by Anjana Reddy, focusing on youth-oriented apparel brands. In 2020, Virat Kohli, through Cornerstone Sports LLP, invested approximately INR 19.3 crore in USPL, acquiring 4,282 shares at a price of INR 47,571 per share, with a nominal value of INR 10 each.

This investment aligns Kohli with cricket legend Sachin Tendulkar, who is also an investor in the company. Prior to this investment, Kohli collaborated with USPL for promotional events related to their fashion brand Wrogn, which he co-owns. In June 2024, Aditya Birla Group’s fashion and lifestyle venture, TMRW, acquired a 16% stake in USPL for INR 125 crore.

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StartupTalkyAlan Joseph

Galactus Funware Technology Pvt. Ltd.

Company Name	Galactus Funware Technology Pvt. Ltd.
Founder	Sai Srinivas Kiran G and Shubh Malhotra
Virat Kohli Investment	Undisclosed

Galactus Funware, Parent Company of MPL - Virat Kohli Investment Companies — Galactus Funware, Parent Company of MPL – Virat Kohli Investment Companies

In early 2019, Virat Kohli invested around INR 33.32 lakh in Bengaluru-based Galactus Funware Technology Pvt. Ltd., the parent company of Mobile Premier League (MPL), by acquiring compulsory convertible debentures (CCDs). These CCDs are set to convert into equity after ten years, granting Kohli a 0.051% stake in the company. Notably, in November 2020, MPL Sports, a subsidiary of Galactus Funware, became the official kit sponsor and merchandise partner for the Indian cricket team.

Digit Insurance

Company Name	Digit Insurance
Founder	Kamesh Goyal
Virat Kohli Investment	INR 2 crore ($262k)

Virat Kohli Business Investment in Startups - Digit — Virat Kohli Investment in Startups – Digit

Virat Kohli and Anushka Sharma invested in Go Digit General Insurance in early 2020, contributing a combined total of approximately INR 2.5 crore. Kohli purchased 266,667 shares at INR 75 per share, amounting to INR 2 crore, while Anushka Sharma invested INR 50 lakh. Their investment was part of a funding round before Digit Insurance’s IPO.

Go Digit General Insurance launched its IPO in May 2024, with a price band set between INR 258 to INR 272 per share. On its listing day (May 23, 2024), the stock debuted at INR 286 per share on NSE, reflecting a 5.15% premium over the issue price.

Following the IPO, Kohli’s stake saw a significant rise, with his 266,667 shares valued at approximately INR 7.25 crore at the upper price band of INR 272, marking an over 3.5x appreciation. Anushka Sharma’s investment also experienced proportional growth.

Chisel Fitness

Company Name	Chisel Fitness
Founder	Satya Sinha
Virat Kohli Investment	INR 90 crore ($11.81 million)

Virat Kohli partnered with Chisel Fitness, a Bengaluru-based fitness startup, to launch a chain of gyms and fitness centers across India. He holds a 30% stake in the company and has invested approximately INR 90 crore into the venture. The brand is jointly owned by Kohli, Chisel Fitness, and CSE, the sister concern of Cornerstone Sport & Entertainment, which manages Kohli’s commercial interests.

The company is in discussions with international sports-based fitness experts to enhance its offerings.

Hyperice

Company Name	Hyperice
Founder	Anthony Katz
Virat Kohli Investment	Undisclosed

Virat Kohli invested in Hyperice, a U.S.-based wellness and recovery technology startup, marking the company’s expansion into India. He joined Hyperice as an athlete investor and global brand ambassador, alongside other renowned athletes like Naomi Osaka, Erling Haaland, and Ja Morant.

Founded in 2010 by Anthony Katz, Hyperice specialises in high-performance recovery and wellness products. It has a strong presence in the U.S., France, the UK, Italy, Spain, Germany, and Portugal and is now focusing on growing its footprint in India.

Hyperice has expanded its product line over the years, offering Hyperice X (contrast therapy device), Hypervolt (percussion massager), Vyper (vibrating rollers), Venom (portable heat massage), Hypersphere, and Normatec (massager line), catering to athletes and fitness enthusiasts worldwide.

Virat Kohli also made an investment in Sport Convo. However, Sport Convo Limited was dissolved on 16 August 2022, ceasing its operations.

Virat Kohli’s Business Ventures & Brand Collaborations

Apart from investing in some of the most promising startups, Kohli is also known for his own business ventures. Here is a list of companies owned by Virat Kohli:

One8 Commune

One8 Commune is a premium restobar chain owned by Virat Kohli, marking his entry into the food and beverage industry. The first outlet was launched in 2017 in New Delhi, and since then, it has expanded to multiple cities across India, including Mumbai, Pune, Kolkata, and Bengaluru.

Known for its chic ambiance and modern yet classy décor, One8 Commune offers a diverse menu catering to a variety of tastes, including vegetarian, vegan, and healthy options, aligning with Kohli’s personal lifestyle. The restobar has quickly become a go-to destination for casual and fine dining, attracting both food enthusiasts and Kohli fans alike.

With its growing presence, One8 Commune continues to grow as one of India’s most popular dining and hangout spots.

Nueva

Nueva is a fine dining restaurant and bar in New Delhi, co-owned by Virat Kohli. Established in 2017, it offers a South American-inspired culinary experience, featuring a menu that blends European, American, Pan Asian, and Peruvian flavors. The restaurant’s interior is adorned with Native American art, creating a chic and elegant ambiance.

Puma One8

In 2017, Virat Kohli collaborated with German sportswear brand Puma to launch his athleisure brand, One8. The collection includes activewear, footwear, and accessories, reflecting Kohli’s personal style and commitment to fitness. Puma’s design team drew inspiration from Kohli’s wardrobe to create the One8 range, ensuring it resonated with his persona. The brand name, “One8,” is derived from Kohli’s jersey number, 18, which holds special significance for him.

The partnership has been highly successful, with the One8 collection contributing significantly to Puma India’s sales. In the 2019 fiscal year, the association with One8 accounted for 10% of Puma India’s revenue, highlighting the brand’s popularity and market impact.

FC Goa

FC Goa, a professional football club in the Indian Super League (ISL), was co-founded in 2014 and partially owned by Virat Kohli, who holds a 12% stake. Kohli’s investment reflects his passion for football and his vision to promote the sport in India. Under his co-ownership, FC Goa has grown into one of the top-performing teams in the league, forming strategic partnerships and focusing on player development to strengthen Indian football.

UAE Royals

UAE Royals, a Dubai-based tennis team, was founded in 2014 and gained global recognition with tennis legend Roger Federer as part of its lineup. In 2015, Virat Kohli joined as a co-owner, investing in the franchise to promote tennis and expand its reach. His involvement aimed to bring more visibility to the sport and strengthen its presence in the region.

Bengaluru Yodhas

Bengaluru Yodhas, a Pro Wrestling League team based in Bangalore, became Virat Kohli’s third sports venture outside cricket when he was announced as the co-owner in 2015. His involvement aimed to boost the popularity of wrestling in India and support emerging talent in the sport.

Wrogn

Wrogn is a premium fashion brand co-owned by Virat Kohli, known for its trendy and youthful apparel. Founded by Anjana Reddy in 2012, Kohli joined as a co-owner in 2013, adding his signature style to the brand’s identity. Headquartered in Bengaluru, Wrogn has grown into a popular choice for modern, fashion-forward consumers.

Stepathlon Kids

Being a fitness freak himself, it is not surprising that Virat Kohli is investing in something related to fitness. Stepathlon Kids is a lifestyle brand that focuses on the health and wellness of kids. Virat Kohli launched Stepathlon Kids in collaboration with Stepathlon in 2016. The brand promotes and urges kids to follow a healthy lifestyle and eating habits. It is India’s first gamified health platform aimed at encouraging children to adopt an active lifestyle.

Conclusion

Many promising sportsmen, such as Kapil Dev and Sachin Tendulkar, have invested in startups. With India’s growing startup ecosystem, Virat Kohli has also joined the club by investing in multiple businesses across industries.

Known for his stellar performances on the field, the cricket icon has already established himself as one of the finest athletes in the sport’s history. Beyond cricket, Kohli is making strategic investments and collaborating with promising brands, further solidifying his presence in the business world.

FAQs

What is the net worth of Virat Kohli?

As of 2024, according to Mint, Virat Kohli’s net worth is estimated to be Rs 1050 crore ($123 million).

What is the age of Virat Kohli?

Virat Kohli was born on 5 November 1988 and is 36 years old.

Is Virat Kohli an investor?

Virat Kohli is an investor in many startups across different categories from mobile gaming, fashion wear, food products, and fintech industries. He has invested in brands like Rage Coffee, Blue Tribe, Digit Insurance, and more.

Which companies are owned by Virat Kohli?

Virat Kohli owns or co-owns the brands Wrogn, One8, Nueva, FC Goa, UAE Royals, and Bengaluru Yodhas.

What are the companies that Virat Kohli has invested in?

Virat Kohli’s investments include:

Rage Coffee
Blue Tribe
Sport Convo
Galactus Funware Technology Pvt Limited
Universal Sportsbiz
Digit Insurance
Chisel Fitness
Hyperice

April 16, 2025