iOS Pick: Digit
Megan Morrone's app cap on iOS Today 341 is Digit. This app and service connects to your bank account and analyzes your income and spending. It uses an algorithym to figure out how much money it can safely set aside and save for you.
Digit moves money from your checking account to your Digit savings account, but it will never transfer more than you can afford. They have a no-overdraft guarantee. If you need your savings, just send Digit a text message and it will transfer the money back to your checking account the next business day.
Digit allows unlimited transfers and has no account minimums. You'll also earn a 1% savings bonus every 3 months for saving money with it. Digit is available as a free app for iOS and Android, and costs $2.99 per month.