EarnSmart is a Better Saving Application

A common question we’ve gotten from the personal finance community is “how are you different from other savings applications.” We’re always happy to get this question because our application truly is unique, and in our very biased opinion, it’s better.

Other savings applications help you save money and that’s great, we do that too! But we take things further. At EarnSmart, we are all about transparency, motivating goals, optionality and great deals. If you’re into having control over how you save, why you’re saving, and what you’re saving for, we’re the only savings application for you.

Read on and we’ll explain each point. Or you can check out the infographic at the bottom of the page. (Fun Unrelated Fact: Did you know that humans process visual images 60,000x faster than reading text?)


With EarnSmart, users choose the rate at which they’d like to save. This rate is tied to the user’s purchase history. A user can choose to either save $0.50, $1.00 or $2.00 each time they make a purchase. This means that if you choose to save $1.00 per purchase and average two purchases per day, you’re saving roughly $2.00 per day, $14.00 per week and $60 per month.

Pretty simple right? Well simple is how we like it. Before developing our application we got tons of feedback from potential users saying they didn’t like the idea of us creating an opaque algorithm that determines how much we should be saving. Control and transparency is key to you so it’s key to us. (That’s a theme you’ll start to notice)


With EarnSmart, you’re always saving toward a goal. You can choose a cash savings goal, or a retail-based goal in the form of a discounted gift card, but there is always a light at the end of your savings tunnel. And that light is the feeling of success and gratification associated with you achieving saving success. We love that feeling!

We found that people really like being able to conceptualize why they are saving money. And a goal is the perfect way to add some motivation and excitement around the savings process. We hope you agree!


We wanted to create a tool that allowed the user to choose how they wanted to be fiscally responsible. That’s why EarnSmart allows a user to either save some money and build up those reserves or lets the user choose to save up to purchase something they’re excited about and splurge responsibly. When we launch, we’ll have over 100 different goals and that number is growing all the time as we add new, great retailers. There really is something for everyone!

When we talked to users we found that they loved the idea of being able to choose between long-term and short-term savings goals. And the ability to save up for a great deal so they could spend on themselves, guilt free, was really exciting. Our promise to our users is that we will do everything we can to ensure there is a goal on the EarnSmart platform you’re excited to achieve. To check out our current selection, please visit our “EarnSmart Goals” page and if there is something you’d love to see there please email us at [email protected] We’ll do everything we can to add the goal you’re excited about!

Great Deals

This one is pretty self explanatory. When you’re saving for a retail-based goal, you’re always saving up for a a great deal on a discounted gift card. These deals are up to 25% off. And why gift cards? This goes back to optionality. Gift cards give you choices and we love choices. So find your favorite retailer, and get excited to save and spend responsibly.

Bonus: Our Leading Security and Unique Referral Program

Your information security is a top priority at EarnSmart. All communication from the EarnSmart application to our servers is 256 bit TLS encrypted. None of your sensitive bank credentials or information ever touches our servers when you sign-up and is instead sent directly to your bank for verification purposes via hyper secure endpoints. All other personal information is fully encrypted on our servers. In short, our application is secure so you can rest easy knowing you’re in good hands.

Our referral program is completely unique and is based on the amount of money saved on the EarnSmart platform by those you refer. We give you cashback in the form of 0.5% of every dollar saved by every single person you refer to the platform. And the best part? Your cashback referrals never expire so long as the referred user is saving on the EarnSmart platform! This cashback really adds up when you share the program, we just hope you’re as excited about it as we are!

And Finally, The Infographic (we forgive you if you skipped straight here)


EarnSmart is Transparent


Choices Section

Some Other Key Facts

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