Change Savings by Appreciate: Easy Spare Change Investing App

Don’t take our word for it

See what people are saying about Change Savings

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I was able to save 2000 rupees last month by using change savings feature on the Appreciate app. And it also invested that 2000 rupee in the US market. Watching app helping grow my money.

Appreciate Wealth User
Sahil Samarth
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Appreciate app is user-friendly and intuitive. Investing in US stocks has never been this simple. I'm hooked!

Appreciate Wealth User
Vinay Garg
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How it works

Start Change Savings, even with just Re 1!

We round up your transaction and invest your change. For example, say you spend Rs. 95 on groceries. We’ll round up to Rs. 100 and invest Rs. 5 for you.


AI Enabled Higher Returns

Small investments. Large returns.

Add up to Rs.1,000 per month towards your investment portfolio just by rounding up your transactions. That Rs.1,000 could become lakhs of rupees over time!

Global investing, higher returns
  • Daily micro-savings and tools to maximize disciplined savings, every day!!
  • Access to US market that offers higher returns
  • AI enabled portfolio recommendations - hassle free investment decision making for you
  • Automated rebalancing and portfolio management - you can rest easy
Global investing, higher returns

Value for Money

Easy, one click,
low cost - for everything

Over the past decade, the US S&P Fortune 500 companies have outperformed the BSE/NSE by over 20%. We ensure you can access this market easily, with no friction and at a low cost.

Zero Commission, no minimum investment, no subscription fees

Zero Commission, no minimum investment, no subscription fees

One click investing that’s seamless & hassle free

One click investing that’s seamless & hassle free

Complete transparency with no hidden fees

Complete transparency with no hidden fees

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Get the gold standard of trust

Your money’s safety is our top priority

Safe, Secure, Trustworthy - for everytime
  • 24/7 monitoring of all activity
  • Transaction flow tracking from the first step to the last
  • AI-enabled auto-flagging of suspicious activity
  • A trusted name with top-notch security standards
  • Fully compliant with FEMA, SEBI, and RBI regulations
  • Gold standard KYC to authenticate your account
  • Industry leading AES 256 encryption
  • Stringent security measures
  • Safeguard your portfolio, held in the US by Appreciate's clearing partner DriveWealth, in case of bankruptcy or other systemic failures
  • Portfolio insurance worth $500,000 included
  • Backed by the US-govt agency Securities Investor Protection Corporation

Note: Insurance not available to protect against trading losses.

  • We work with reputed brokers and investment advisors based out of India and the US so you can invest in a safe, secure and compliant manner.

Frequently asked questions

Change Savings is a innovative feature in the Appreciate app that allows you to automatically set aside small amounts of money from your everyday transactions. This is to build savings disciple. This feature operates in two ways:

1. Setup Change Savings: With this option, the system requires permission to read your SMS transaction messages. It then rounds up each transaction to the nearest whole number and invests the spare change.

2. Daily Savings Challenge: This option doesn't require SMS permissions. You can set up a daily savings challenge, for example, Rs 100, and manually invest this amount every day.

Please note, the actual investment only happens when the collected amount reaches Rs 2000.

A lot, actually! To give you an idea, investing a mere Rs. 18 a day, which you can accumulate in just 3-4 transactions, can add over Rs. 10 lakhs to your portfolio over 25 years. During this time, you would've invested just Rs. 1.6 lakhs but your portfolio will be closer to Rs. 10 lakhs! This is the power of discipline and compounding, through Appreciate Change Savings. 

We invest your saved change in the US stock market. More specifically, in a diversified large cap exchange-traded-fund ('ETF') with the ticker symbol VOO representing the Vanguard S&P 500 ETF. This is a low expense rate asset which has performed very well historically and is expected to perform well over the long term.  Over time, we will update where we invest as better performing ETFs become available.  

No! Its all in your control. If you want to let the Appreciate app access your SMS history, you can benefit from actual rounding of your transactions. However, if you don't want to do that, you can just set a daily SIP. The app won't get access to your SMS.

Psst. - even when you give access, SMS data never leaves your phone and are used purely to identify transaction details, solely for Change Savings purposes. So you can rest assured that your information is safe!


Why you should choose Appreciate

  • Global Investing, Higher Returns - for Everyone
  • Investing Solutions - for Every Need
  • Easy, One Click, Low Cost - for Everything
  • Learn How and When to Invest - Everyday
  • Safe, Secure, Trustworthy - Everytime

Join the growing tribe of 2,00,000+ Appreciators