I used Digit before they started charging per month. It's alright. They take out big random chunks of money like $7 here $35 there, sometimes $80. I didn't get how the algorithm worked, but I never went under on my bank account. I usually keep $1000 min in checking. I saved about $200-$300 a month. Helps keep you from buying little things. It's great if you wanna save up for a TV or a trip. I switched to Acorns because the monthly charge is less and the gains would be better than a few cents interest. Since April, my account is $637.70, it auto invested $607.53, dividends $2.63, gain $20.17, and referrals $10. It's not much but it helps. Acorns takes out less than Digit if you're not aggressive in throwing money in and depends on how much you spend as it rounds up those purchases. The pennies are added up in a small time frame and then that chunk of change is taken out of your bank account. So investments to Acorns appear as dollars rather than cents, like $3, $7, $5, $13, etc. I consider using this stuff short term. Long term you could look into stocks like Robin hood, if you don't want to deal with Taxes then, Digit.
