Digit vs Qapital
Digit vs Qapital: Hands-Off or Rules-Based Saving?
Digit and Qapital both automate saving, but they take opposite approaches, and one of them has changed name. Digit was the fully hands-off saver that learned your cash flow and set money aside for you; it was acquired by Oportun in 2021 and folded into the Oportun app, so the Digit brand is retired even though the Set & Save feature lives on. Qapital is still its own app and saves by rules you set. So this is partly a comparison of styles and partly a question of what Digit users should do now.
Digit vs Qapital: feature comparison
Feature comparison of Digit, Qapital and Auritrack
| Feature | Digit | Qapital | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | No | No | Yes |
| Automatic bank sync | YesConnects your checking account to auto-save | YesLinks accounts to trigger savings rules | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | No | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | No | Spending sub-account and payday budgets | Yes |
| Savings goals | YesNamed savings goals | YesRule-based savings goals are the core | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoUS dollars only | NoUS dollars only | YesLive exchange rates |
| Data export (PDF/CSV) | Partial | Partial | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | NoSaving and loans, not investing | YesOn the Complete and Master tiers | No |
| Shared / household accounts | No | YesShared goals for couples | Yes |
| Sells your data to advertisers | No | No | No |
| Price | ~$5/mo | From $3/mo | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Digit wins
- Fully hands-off saving that learns your income and spending
- Safe automatic transfers with no rules for you to manage
- Now bundled with Oportun banking and personal loans
- Named savings goals to organize what you set aside
Where Qapital wins
- Still its own live app, not folded into a larger brand
- Rule-based saving with custom triggers you control
- Named goal buckets and shared goals for couples
- Starts at $3/month, cheaper than Digit’s roughly $5
A third option: Auritrack
Both are savers, not spending trackers, so neither shows you where the money you did not save actually went. Auritrack is the tracking-and-budget layer that sits alongside: an AI logs and categorizes your spending from a chat message or an uploaded statement, so you can see how much is genuinely safe to save. It runs on a free tier for manual tracking with AI plans from $3/month or pay-as-you-go Auricoins, and it has no live bank sync yet.
The verdict
If you want zero effort, Digit’s hands-off style, now inside the Oportun app, saves without you touching a rule. If you want to design your own triggers or save with a partner, Qapital gives you that control and is still a standalone app. Since the Digit brand is retired, its old users choosing between the two should weigh Oportun’s bundle against Qapital’s independence; either way, Auritrack can track the spending both leave untouched.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Digit guide or the Qapital guide, each an honest look at where that tool wins and where Auritrack fits.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.