The savings app built around you

Set & Save^TM helps you reach your savings goals. We learn your income and spending habits to automatically save money for you. Set your goals and, little by little, you’ll reach them faster than you think.

Get now

Try Set & Save free for 30 days.
$5/month after trial. Cancel anytime.

$1,800 saved
per year on average

15 million+
savings goals created

$10 billion+
toward savings goals

See more about our numbers

Personalized pace

A little here, a little there. We learn the right times to save for you based on when your bills are due and other guardrails set by you.

Aim for your goals

Save for a rainy day or the every day. From your monthly bills to your trip to Maui. We’ll work toward as many goals as you want, in a way that works for you.

Your money, your rules

Save a little or a lot. Set daily savings maximums or pause savings all together. Keep your money in your account or withdraw as much and as often as you want.

Protect your balance

Tell us the minimum amount you want in your connected bank account at all times. If your balance falls below that amount, we’ll automatically move money from your Rainy Day fund to make up the difference.

How our savings app works

1

Connect your bank account and get set up in minutes.

2

We learn your spending habits and income to find smart times to save amounts you can afford.

3

Set goals and we’ll save toward them by automatically pulling from your bank and into the app.

Start free trial

See how much you can save with a 30 day free trial.

Your life, your goals

Work toward custom savings goals, or just set aside funds for a rainy day. Here are some popular goals our members save toward.

Rainy days

Be ready for rainy days. Unexpected turns don’t have to throw you off course. Set & Save slowly moves money for whatever, no matter the weather.

Travel

Visit lands near and far. Set & Save can help you set aside money for big adventures or mini staycations.

Gifts

Treat your loved ones, or yourself. Now you can be financially prepared for gift-giving occasions year-round. Set & Save for birthdays, holidays, or even a little something for yourself.

Down payment

Make moves on your big plans. Set & Save is an easier way to build up a down payment for a place of your own or wheels to roam.

Loans

Say goodbye to stressing over your loan payments. Just set a goal and let Oportun start saving.

Credit card bills

Let Oportun help you pay off your credit card bill. Set a goal for the amount that you owe or a recurring goal for your monthly minimum.

FAQ’s

What is Set & Save?

Set & Save helps you reach your savings goals by automatically pulling money out of your bank account and into a savings account over time, at amounts and moments that make the most financial sense based on your income and expenses. You can set savings goals with specific due dates or just save for a rainy day. Automating your savings can help you reach your savings goals, whether that’s a family vacation or preparing for an emergency.

Will Set & Save tell me when it saves?

Set & Save works on the idea that you save money more effectively when you don't have to think about it, so you won't receive alerts when we save from your linked account. We've heard countless stories from members who have gotten through emergency situations (or were able to splurge on fun) thanks to the money in their goals that they didn't even realize they had saved away.

Can I schedule saves in Set & Save?

While it's not currently possible to schedule when and how much Oportun saves for you, you can always add money to your goals whenever you'd like by tapping the Transfer money button.

How long does it take to transfer money from a savings goal back into my bank account?

Free standard withdrawals from savings goals typically post back to your linked checking account within 1-5 business days—or sooner, depending on your bank. Banks are closed on federal holidays, so withdrawals created on or around these days may be delayed by approximately one day. Instant withdrawals: Members may have the option pay a 99 cent fee for an instant withdrawal to their linked checking account. If your linked bank account supports real-time transfers, you'll see a screen asking you to choose between a free standard withdrawal and an instant withdrawal before you confirm your transfer. Please note: Depending on who you bank with, as well as certain settings on your checking account, instant withdrawals may not be available to you at this time.

How do I access money from my Set & Save account?

Tap the Transfer money button
In the From field, choose a goal to withdraw funds from
In the To field, select your bank account
Tap Next and enter the amount you want to withdraw
On the Review Transfer screen, tap Make transfer when you're ready
If your bank supports real time transfers, you will be able to choose between a free standard withdrawal or an instant withdrawal for a 99 cent fee
Tap Confirm withdrawal

Safe & secure

FDIC insured. Read about it.

Optional daily notifications.

Facial and fingerprint security

Listed #1 savings app of 2024 by Bankrate

Save money without thinking about it^{^®}