piggyme

The easy way to stay on budget

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New — split expenses with friends & your partner

Your bank shows numbers.
piggyme gives answers.

The end of the month arrives sooner than your balance would like. piggyme reads your statements and tells you where your money went, what’s still coming, and what you can truly spend. Sharing costs with friends or your partner? It keeps score too.

In your browser · encrypted sync · no tracking Plus — sync & partner sharing, now free in beta
piggyme 1,284 transactions · 3 accounts L
Spent in June€ 2.612↓ € 184 less than usual
Came in€ 3.945≈ as usual
Kept€ 1.333↑ best month this year
Income & expenses per month
sep
oct
nov
dec
jan
feb
mar
apr
may
jun
Expenses by category
GroceriesEnergy & homeEating outFuel
Colruyt MeiseGroceries− € 87,40
Frituur 't HoekskeEating out− € 24,50
June salarySalary+ € 2.780,00

Works with exports from KBC · Argenta · Belfius · ING · BNP Paribas Fortis — and any bank with CSV or Excel

Features

Your bank shows what happened.
piggyme shows what it means.

Private by design

Your statements are read right in your browser — the files never leave your device. What you sync is encrypted, and never sold or used for ads.

All your banks together

KBC, Argenta, ING, Belfius… multiple accounts and banks side by side, internal transfers cancelled out automatically.

Self-learning categories

Transactions get a category by themselves. Fix one and the app remembers it — locally, with a model that learns from you.

Budgets & savings goals

A monthly budget per category and savings goals with progress plus an expected finish date at your current pace.

Alerts

Unusually large expenses, subscriptions that went up or fixed payments that disappeared — you spot it right away.

Together with your partner

Encrypted sync between devices and one shared view for the two of you. Turn on private mode and only you hold the key.

Budgets & goals

Budgets that
watch themselves

Budgets usually die in a spreadsheet after two weeks. Here they run on your real transactions: you see where you stand before you overshoot, and your savings goals tell you when you’ll actually get there — at the pace you’re really saving.

  • Budget advice based on your real spending
  • Click through to the transaction
  • Goals linked to your savings account
See it in the demo →
Budgets
Groceries€ 342 / € 450
Eating & going out€ 218 / € 200
Emergency fund€ 11.200 / € 15.000
At this pace you’ll reach the Emergency fund in March 2027
Alerts

Notice it now.
Not months later.

A subscription quietly gets a few euros pricier, a refund never arrives — and you only notice months later, if at all. piggyme knows your patterns and taps you on the shoulder when something is off. Without crying wolf: your fixed costs are expected.

  • Outliers versus your normal pattern
  • Subscriptions that went up & payments that disappeared
  • Little false alarm: your fixed costs are taken into account
See it in the demo →
Alerts3
!
Unusually large expenseCoolblue − € 649 · usually ± € 45 in Shopping
Subscription went upStreamz € 12.99 → € 15.99 since this month
?
Fixed payment didn’t happenSports club (± € 25) — usually around the 8th
Together

Split with friends.
Settle up in a tap.

Someone fronts the hotel, someone else the fuel — and three weeks later nobody remembers who owes what, and nobody likes asking. piggyme keeps score for you: split fairly, see live who stands where, and settle with a QR instead of an awkward reminder.

  • Split equally, by exact amount or by %.
  • Settle up with a payment QR — the other person scans and pays in their banking app.
  • Your share flows straight into your own budget — no double bookkeeping.
See it in the demo →
Together
LLucas (you)Weekend tripgets € 24,50
EEmmaWeekend tripowes € 12,00
🧾Dinner outsplit between 3− € 72,00
Your € 24 share lands in your own budget — automatically.
piggyme Plus

Always at hand.
Together with your partner.

With an account your overview syncs encrypted across all your devices, and you and your partner work in one shared view — a single invite code is enough.

  • Multi-device — phone, laptop, tablet, always in sync
  • Household sharing — one joint overview for two
  • Automatic backup — encrypted in the cloud
  • Cash & manual expenses — count everything, even without a bank export

€ 3/month after the beta · the local version stays free forever

Household2
LLucas2 devices✓ sync
EEmmavia invite code✓ key shared
Backupafter every change✓ encrypted
Encrypted in transit and at rest — private mode makes it fully zero-knowledge
Pricing

Start free.
Grow whenever you want.

Free

€ 0forever

The full app, 100% local on your own device.

  • All analyses: overview, net worth, fixed costs, outlook
  • Self-learning categories & alerts
  • Budgets & savings goals
  • Unlimited accounts and banks
  • Manual JSON backup
Start right away
Popular

Plus

€ 3/month · € 30/year

Everything from Free, plus convenience on all your devices.

  • Encrypted sync across all your devices
  • Household sharing — one view for you and your partner
  • Automatic encrypted backup in the cloud
  • Add expenses on the go — cash & manual entry
  • Password recovery by e-mail — or a recovery key in private mode
Try now — free in beta
Soon

Auto

€ 7,50/month

Everything from Plus, without dragging exports around.

  • Automatic bank connection (PSD2) — your transactions come in by themselves
  • Up to date daily, all accounts
  • Cost of the bank connection included

During the beta, Plus is free to try. Never ads, never data sales — your data is not our product.

How it works

Done in three steps

  1. 1

    Export from your bank

    Download your transactions as .csv or .xlsx. The more months, the smarter the analyses.

    Where do I find that at my bank?
    • KBC — KBC Touch: look for "Account statements" → create → CSV.
    • Argenta — account → transactions → Export (Excel).
    • Belfius — account → transactions → Export → CSV.
    • ING — account → transactions → Download → CSV.
    • BNP Paribas Fortis — Easy Banking: transactions → Export → CSV.
    • Another bank? Unknown format? Then you map the columns yourself, once.
  2. 2

    Drag it in here

    Multiple files, accounts and banks at once — your partner’s too. Duplicates are skipped automatically.

  3. 3

    Get insight

    Categories fill in by themselves and every section is ready right away — from Overview to Alerts.

Your data stays yours. That’s the point.

Your statements are processed in your browser and stored on your own device. What you sync is encrypted, and our business model is a simple subscription — you’re the customer, not the product. Want the strongest guarantee? Switch on private mode: then you alone hold the keys. Your data stays yours: export everything as JSON anytime.

Start today

A free account, nothing to install, nothing to pay.
Drag in your export and see for yourself.

Ready in 30 seconds · Plus = sync & partner sharing, now free in beta · staying local is always an option.

piggyme · Made in Belgium · No tracking, no cookies · Your data stays yours · Contact · Privacy policy · Terms of service