The 10 Best Coupon Apps to Incorporate Into Your Financial Strategy

FT Contributor
A hand holding a smartphone with a screen that displays a coupon.

Couponing can be an efficient and helpful option for those living on a personal budget or on a stringent financial plan. Regardless of your reason for couponing, it’s helpful when you’re creating a financial plan — complete with a budget — so that you can achieve the savings goals you set throughout your life.

Using coupons can affect a variety of your purchasing needs or wants, saving you a significant amount on things like groceries, clothing, and even restaurant bills or experiences. More specifically, strategic couponing can even go as far as to help you live the life you’ve always wanted while remaining financially savvy.

Couponing can certainly make things more affordable, but that doesn’t mean you should spend extraneously on things you don’t want or need. Note that couponing should be part of your frugal budgeting strategy and overall financial plan, not your sole solution to a better life.  

Coupon apps make it easy to find authentic coupons with ease. Whether you’re an extreme couponer or just getting started on your couponing journey, these are some of the best couponing apps you can incorporate into your financial strategy to help save money.


Ibotta is a couponing app that lets you search for coupons that fit your shopping list or the specific retailer, allowing you to stick to a tight budget and save money. When you find the goods you’re going to buy, simply mark them in the app and go about your shopping trip.

Once you receive a receipt confirming your purchase, you’ll need to scan it into the Ibotta app in order to redeem the coupons you marked off. In some cases, you may need to scan the barcode of a particular item to confirm it’s the same as the item the coupon is for. Typically, you’ll receive a rebate for your purchases within a day.

This cash back is stored in the app until you reach a balance of $20. Once you’ve accumulated $20 or more, you can cash out your earnings directly into Paypal or receive those funds in the form of gift cards.

The app gives users access to digital coupons before or during their shopping trip. The app has an “enable your location” feature that makes it easy to find offers in stores where you’re actively shopping, but it’s just as easy to comb through the app’s offerings by category or retailer prior to heading out.

The coupons vary greatly, making it easy to find deals on the items that meet your wants and needs. From digital coupons to their printable counterparts and codes that can be redeemed online, you’ll find that budgeting and saving money is simplified with the help of this couponing app. Additionally, the app allows you to add your loyalty card information for certain stores, making it easier than ever to redeem deals.


SnipSnap is a coupon app that allows you to transform your paper coupons into digital ones. Simply take the coupons that you have “snipped” from mailers, newspapers, and magazines and “snap” a photo of them with your phone. These coupons are then uploaded to the SnipSnap app. Instead of handing the cashier a piece of paper, you show them the app.

In addition to making your shopping trip paperless and allowing you to save money, SnipSnap lets you search the app for other users’ coupons. When your coupons are uploaded, they are made available to other users and vice versa. This communal couponing experience makes it easy for you to save even more on your next shopping trip.


The Groupon app offers daily deals on a variety of goods and services. It is ideal for shoppers looking for discounts on experiences, but you can also find bargains on products and services with this app. Most often, deals are offered at a discounted rate for an experience, product, or service, allowing you to cut back on your total costs. Groupon allows you to try new goods and services without the risk of spending a lot of money on something you’re not sure you’ll want or enjoy.

While this app is useful for any financial strategy, it’s important to note that the promotional value of a Groupon expires. To get the most value for your money, Groupons should be used within the time frame allotted, but if you miss that opportunity, most companies will still allow you to redeem the Groupon for the amount that you paid.  


YipIt is an app that aggregates data. For those looking for deals, YipIt will search the internet for the best coupons and deals in your geographic area. You don’t have to search each coupon app for the deals that fit your budget and lifestyle — YipIt searches the coupons found on other apps to provide you with the best deal on any given product or service.

This couponing app helps you save time and money, but only if you live in major cities. The developers have yet to include deals in smaller cities and towns, so this may not be the best app for you depending on where you live.


Coupon Sherpa is one of the pioneers in the world of couponing apps. This app provides users with digital coupons and coupon codes for a number of retailers, including grocery stores, department stores, restaurants, malls, and big-box stores.

The app also offers printable coupons, including store deals and manufacturer coupons, via their website for more traditional shoppers with a budget.


The RetailMeNot app allows users to search for coupons and discount codes that they can use for online or in-store purchases. Search your favorite retailers, from clothiers to food delivery and even travel accommodations, to find the best deals.

In addition to in-store and online discounts, the RetailMeNot app allows you to collect cashback offers when shopping with certain retailers, making it easy to save money on the products you want and need.


ShopKick is an app that requires a bit of strategy, but it can save you a lot of money. When you use the app to shop in-store or online, you’re rewarded with points called “kicks.” Once you’ve redeemed enough kicks, you can convert those points into gift cards for the retailer of your choice, allowing you to save money on the things you need.

In addition to earning points when you spend, ShopKick allows you to earn points just by visiting a store. You can also earn points by scanning specific products in-store, watching online videos, or browsing through products online.


Rakuten offers users cash back, deals, and rewards. When you shop through the app, you’re rewarded with cash back on purchases made through participating retailers. Rakuten sends your rewards via PayPal or check, which allows you to save money on everyday needs and get paid to shop.


Do you do a lot of shopping online? Honey is a browser extension and app that prevents you from ever missing out on a discount. During the online checkout process, the app will scan through all of the coupon codes available to ensure you’re getting the best deal on your purchase.

If there are no coupon codes that work, Honey will accumulate Honey Gold on your behalf. These points can later be redeemed for gift cards.

Whether you just want free stuff on your birthday or are looking to save money on every purchase, any or all of these apps can help better your financial strategy.

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