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New: every jar now earns 4.10% APY


Rainy Day rounds every card purchase up to the next dollar and drops the change into glass jars you can watch fill. Lisbon, a new laptop, three months of rent: a coin at a time, without thinking about it.

Get the app, it's free How it works

4.9 from 38,200 ratingsNo fees. No minimums.

01How round-ups work

Buy the $4.35 oat latte.

Pay with the cards you already have. The moment it clears, Rainy Day rounds it up to $5.00 and sets the 65¢ aside. No new card, no budgeting homework.

$4.35$5.00 = 65¢ saved
02The change drops in

Every round-up becomes a coin.

Coins fall into whichever jar you point them at. Flush week? Switch on a 2× Boost and every coin counts double. Payday? Have $20 drop in on its own.

2× Boost on until Sunday
03Watch it pour

Six months of lattes later.

Your Lisbon jar is $1,284.65 heavy and earning 4.10% APY the whole time. When it fills, the jar rings, the sun comes out, and the money is ready for the thing you saved it for.

71% full · fills by May 9
Jars

A jar for every someday.

Name it, give it a date, and Rainy Day paces the coins so it fills on time. Up to twelve jars, each with its own goal and its own small celebration when it's full. Go on, tap one.

Lisbon in June$1,284of $1,800 · fills May 9
Rainy day fund$2,410of $6,000 · 3 months' rent
Mom's 60th$188of $250 · party's Jan 17
New tires$96of $480 · before the first snow
Saved for this week:Ollie's bracesFirst apartment depositThe vet fundParis with JoA sewing machineDad's 70thWinter coatSimone's wedding giftConcert tickets
Take money out any time, freeShare a jar with up to four peopleLock a jar until its date
The app

Plays like a game. Pays like a bank.

Streaks, boosts and challenges make saving the most fun thing on your phone. Underneath, it's a real high-yield account at an FDIC-insured bank.

  1. 01StreaksSave anything in a week and your streak grows. Miss one and a Rain Check saves it, twice a year.
  2. 02BoostsTurn round-ups to 2× or 3× for a week when you're feeling flush. Turn them off when you're not.
  3. 03ChallengesNo-spend weekends, the 52-week ladder, Cook-at-home November. You win badges, not lectures.
  4. 04LevelsEvery dollar saved is XP: Drizzle, Shower, Downpour, Monsoon. It's silly. It works.
  5. 05Weather reportEvery Sunday, a two-line forecast of your week. "Mostly sunny. $46 under on takeout."
Calculator

Watch it grow.

Drag the coins. Your habits, your numbers, a jar's worth of interest on top.

Boost
Top-up every payday
How long
In 1 year you'd have $1,256

That's $1,233 in coins plus $23 of interest at 4.10% APY, without changing a single habit.

An estimate, not a promise. Assumes steady habits, payday every two weeks, monthly compounding and today's 4.10% APY, which can change.

Safety, in plain English

Rain or shine, your money's covered.

  • Insured up to $250,000.Your jars sit at Lakeline Bank, N.A., Member FDIC. Rainy Day never holds your money itself.
  • We can look, but we can't spend.Linked cards are read-only. We see a purchase so we can round it up, and that's all.
  • Your data isn't for sale.Not to advertisers, not to data brokers, not to anyone. We earn a share of the interest, out in the open.
  • Locked like a vault.256-bit encryption, Face ID every time you open the app, and a freeze switch if your phone goes missing.
  • Out whenever you want.Move money back to checking for free, usually the same day. No penalties and no guilt trip.

Rainy Day is a financial technology company, not a bank. Banking services are provided by Lakeline Bank, N.A., Member FDIC. Insurance covers the failure of the bank, not market loss.

Reviews

People get weirdly attached to their jars.

4.9
38,200 ratings on the App Store, 4.8 on Google Play

"I have never saved money on purpose in my life. My Lisbon jar is at 94% and I booked the flight."

KRKezia R. · Bed-Stuy

"The little coin sound when a round-up lands is the best part of my day. Pathetic. I love it."

DTDmitri T. · Astoria · 41-week streak

"We share a jar for the dog's vet bills. Nobody argues about money now. We just watch it fill."

DJDani & Joe · Park Slope

"The weather report said I was 'drizzling' on takeout. Rude. Accurate. I'm down $60 a week."

HKHolly K. · Jersey City

"Saved $3,120 in a year from coffee I was going to buy anyway."

RMRafael M. · Bushwick · Rainy day fund

"My 16-year-old has a 2× Boost on her car jar and now asks to do chores. I don't know what you did."

RPRenée P. · Montclair

"Tire blew on the BQE. Took $400 out of the jar the same day, no fee, no lecture. That's the whole point."

SOSimone O. · Philadelphia

"Level 9, Monsoon. I am insufferable about it at parties."

TWTess W. · Brooklyn Heights

Your first coin is 65¢ away.

Free to download. No fees, no minimums, and your first jar is set up before your coffee's ready.

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