The honest comparison aisle
How Piggey compares
Every personal finance app is betting on something. YNAB bets you'll budget. Monarch bets you'll link your bank. Rocket Money bets you won't make a phone call. Piggey bets you just want to know where the money went — without homework, and without handing over your bank password.
| Piggey | Mint | YNAB | Monarch Money | Rocket Money | Copilot Money | PocketGuard | Empower | Spreadsheets | |
|---|---|---|---|---|---|---|---|---|---|
| Price | Free, or $16/mo Pro — first month free | It was free — you were the product | $14.99/mo or $109/yr | $14.99/mo or $99.99/yr | Free tier + Premium $6–12/mo (pay-what-you-pick) | $13/mo or $95/yr | Plus: $12.99/mo or $74.99/yr | Dashboard: free. Wealth management: 0.49–0.89% AUM | Free* (*your Sunday afternoons) |
| Free plan | Yes — a real one, forever | All of it (ads + your data paid the bills) | No — 34-day trial | No — 7-day trial | Yes — limited, with frequent upsells | No — trial only | Yes — heavily limited | Yes — the whole dashboard | All of it, forever, including the suffering |
| Bank login | Never. Import a CSV — your credentials stay at your bank | Required | Optional, but the manual path is real work | Required for everything useful (Plaid/MX/Finicity) | Required | Required (Plaid + others) | Required | Required | Never (you are the integration) |
| Budgeting required | None required | Optional | It's the entire point — zero-based envelopes | Core feature — flexible or category budgets | Light budgeting features | Yes — flexible monthly budgets | Simplified — the "In My Pocket" number | Basic | If you build it |
| AI categorization | Automatic — AI tags your whole history at once | Rule-based, famously messy | None — manual by design | Rules + some AI assistance | Basic automatic categorization | Yes — genuinely good ML | Automatic, basic | Basic automatic | You, squinting at "POS PURCHASE #4417" |
| Subscription detection | Yes (Pro) — flags the charges worth cancelling | Basic | No | Yes | Yes — the headline feature, with concierge cancellation | Yes | Yes | No | Ctrl+F and vibes |
Competitor pricing and features as of 2026 — check their sites for current details. We keep this honest; if we got something wrong, tell us.
The full matchups
Piggey vs Mint
The free budgeting pioneer that Intuit shut down in 2024, sending millions of users looking for a new home.
Piggey vs YNAB
The envelope-budgeting methodology with devoted fans, a real learning curve, and a $109/yr price tag.
Piggey vs Monarch Money
The polished heir to Mint's throne — full-featured, household-friendly, $99.99/yr, and built around bank linking.
Piggey vs Rocket Money
The subscription-cancellation app with a concierge service — and a cut of your savings.
Piggey vs Copilot Money
The prettiest finance app in the room — genuinely smart ML categorization, but Apple-only and $95/yr.
Piggey vs PocketGuard
The "In My Pocket" app — boils your finances down to one spendable number, behind a bank link and a $74.99/yr Plus tier.
Piggey vs Empower
Free net-worth and investment dashboard (formerly Personal Capital) — with a wealth-management sales team attached.
Piggey vs Spreadsheets
The DIY classic: infinitely flexible, completely private, and abandoned by week six.