Change savings: Invest in US Stock Market with Savings Discipline. Invest now!

See what people are saying about Change Savings

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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!

Appreciate Wealth User

Creative Director

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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.

Appreciate Wealth User
Siddhi Kale

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How it works

Start Change Savings, even with just Re 1!!

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.


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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We work with
regulated partners
based out of India and abroad

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.

Safe, Secure, Trustworthy - for everytime
  • - Gold standard KYC to authenticate your account
  • - Industry best practice encryption in place
  • - Stringent security measures
  • - 24/7 monitoring of all activity
  • - Industry best practice encryption in place
  • - Stringent security measures
  • - Insurance available from the Securities Investor Protection Corporation --- an US government agency
  • - Insurance available to safeguard your portfolio, held in the US by Appreciate's clearing partner Drivewealth, in case of bankruptcy or any other systemic failure

Note: Insurance not available to protect against trading losses that may be incurred.

  • -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.
  • - Seasoned operating team that has security and safety as its top concern
  • - Deep experience in Financial Services and E-commerce

Frequently asked questions

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!


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