Change Savings
Spend Daily? Save Daily!
Grow your wealth with every spend! Round up your transactions and auto-invest your spare change every day with Change Savings.
Grow your wealth with every spend! Round up your transactions and auto-invest your spare change every day with Change Savings.
Don’t take our word for it
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 app is user-friendly and intuitive. Investing in US stocks has never been this simple. I'm hooked!
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 app is user-friendly and intuitive. Investing in US stocks has never been this simple. I'm hooked!
How it works
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.
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 impact 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
Get the gold standard of trust
Note: Insurance not available to protect against trading losses.
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!
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