Comparison

piggyme vs. Spendee: which one fits you?

Spendee is a polished budget app from Prague with mobile apps, bank sync and shared wallets. But the free tier has grown very narrow — one cash wallet, one budget, one label — and even automatic categorisation only comes with the most expensive plan.

piggyme flips that: the full analysis is free — unlimited accounts, budgets, goals and smart categorisation with a learning model. You import your bank statements yourself (no bank login needed) and pay at most for convenience: encrypted sync and sharing with your partner.

Feature	piggyme	Spendee
Free tier	Full analysis: unlimited accounts, budgets, goals, smart categorisation	1 cash wallet, 1 budget, 1 label; no auto-categorisation
Paid price	Plus €3/month or €30/year (free during beta)	Plus ± $15/yr; bank sync & auto-categorisation only in Premium ± $36/yr
Privacy	Processed in your browser; encrypted sync, private mode is zero-knowledge; no tracking	Privacy label lists cross-app tracking and linking financial data to advertising data
Household sharing	Several real bank accounts in one view, internal transfers netted automatically	Shared wallets can’t be bank-connected — sharing means manual entry
Fixed costs	Detected automatically from your real transactions, with a forecast	Plan them yourself, and only on manual wallets
Analysis depth	Cash-flow forecast, alerts (anomalies), net worth across banks, month comparison, simulations	Overviews and budgets; no forecast or anomaly detection
Bank sync	Not yet — you drop in your export (on the roadmap)	Yes, in Premium

Choose Spendee if…

you want automatic bank sync today and are happy to pay ± $36/yr for it;
you want a native mobile app at the centre, with crypto and e-wallet connections;
you mostly track cash by hand in a pretty, simple interface.

Choose piggyme if…

you want the full analysis for free instead of behind two paywalls;
privacy matters: your bank data is processed in your browser and never tied to ad profiles;
you want your household to run on real bank data instead of retyping;
you want fixed costs and forecasts derived automatically, with zero planning.

The gist: with Spendee you pay for what piggyme does for free, and their family story runs on manual work. If you want bank sync today, look at Spendee Premium; if you want insight and privacy, piggyme has you covered without opening your wallet.

See for yourself

The demo works without an account.

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Third-party prices and features as described here may change; last checked July 2026.