Change Savings
Spend Daily? Save Daily!
Save more with Change Savings. We round up your transactions and invest your change every day. For example, say you spend Rs. 95 on groceries. We’ll round up to Rs. 100 and invest Rs. 5 for you.
Save more with Change Savings. We round up your transactions and invest your change every day. For example, say you spend Rs. 95 on groceries. We’ll round up to Rs. 100 and invest Rs. 5 for you.
As a frequent shopper, I use my card often. Change savings has been a saviour, where I get to save each time I shop. Would recommend this product to all millennials. Save while you shop!
Creative Director
Appreciate has changed my entire outlook towards investing. Never thought that tiny investments could make one of my dreams come true. Appreciate has given me a new way to look at change and make it grow.
Lead UI
As a frequent shopper, I use my card often. Change investing has been a saviour, where I get to save each time I shop. Would recommend this product to all millennials. Save while you shop!
Lead UI
Appreciate has changed my entire outlook towards investing. Never thought that tiny investments could make one of my dreams come true. Appreciate has given me a new way to look at change and make it grow.
Account Director
How it works
Whether you spend Rs. 35 or Rs. 935, we will round up your transaction and invest your change. Bringing you closer to your dreams and goals.
Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.
Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.
Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.
Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.
Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.
Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.
Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.
Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.
Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.
Our Change Savings feature is easy to set up and even easier to manage. A few clicks can get you started.
Change Savings makes you save more regularly with small investments that don’t bother you or your lifestyle.
Whenever you buy groceries or go shopping or go to the movies, we will round up your small change - leading to big savings.
AI Enabled Higher 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!
Value for Money
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
One click investing that’s seamless & hassle free
Complete transparency with no hidden fees
Security
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.
Note: Insurance not available to protect against trading losses that may be incurred.
With Change Savings, you can "Save as you Spend!!".
Every time you spend on a linked card, we round up the transaction spend to the nearest 10, and invest the round up amount for you. We can use your transaction history via SMS to determine round-up change investments automatically. These small amounts, when invested, will add up over time.
How does this work in practice? Here you go: For example, if you buy groceries for Rs 95, we will round-up to Rs 100, and invest Rs 5 towards your goals.
If you would rather that we not read your transaction SMS, you can also choose to invest through a daily chnage investing SIP, which invests a fixed amount for you every day.
We believe this helps you save and invest in a disciplined manner and makes saving and investing hassle free and easy - every day!
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!
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