mPiggy The short version: Money Lover is a well-known freemium tracker, but the free tier has ads, and real automation comes from a separate bank-sync subscription. mPiggy gives you an ad-free budgeting app for free, keeps your data on your device, and makes bank sync an optional add-on.
What is mPiggy?
mPiggy combines wallets, transactions, budgets, goals, liabilities, statistics, and a wishlist with data on your device. The core is free and ad-free; AI receipt scanning and Bank Connect are optional.
What is Money Lover?
Money Lover (by Finsify) focuses on fast logging, budgets, savings plans, and reports across iOS, Android, and web, syncing through a cloud account. The free tier shows ads; Premium (around $19.99 lifetime, or a subscription) removes them and unlocks unlimited wallets/budgets and CSV export. Automatic bank sync is a separate “Linked Wallet” subscription (~$2.49/month or $19.99/year), with coverage strongest in parts of Asia.
mPiggy vs Money Lover by category
Cost and ads. Money Lover’s free experience includes ads, and the most useful pieces—unlimited budgets, exports, and especially bank sync—sit behind one or two paid layers. mPiggy’s core is free and ad-free, with add-ons that are genuinely optional.
Bank sync. Money Lover splits bank connection into its own recurring “Linked Wallet” fee on top of Premium, and regional coverage varies. mPiggy keeps a single optional Bank Connect add-on and defaults to fast manual entry.
Privacy and storage. Money Lover is cloud-account based. mPiggy is offline-first—your history stays on the phone unless you opt into an online feature.
Budgeting depth. Both handle budgets, goals, and recurring transactions. mPiggy adds accounting-correct balances derived from your transactions and exchange rates, plus a wishlist for mindful spending.
Who mPiggy is best for
- You want an ad-free budgeting app for free.
- You prefer your data on your device.
- You do not want bank sync gated behind a second subscription.
- You want solid multi-currency and a Polish UI.
Who Money Lover is best for
- You already know and like its fast-logging UI.
- You want cloud sync across phone, tablet, and web.
- You are in a region with strong Linked Wallet bank coverage and are fine paying for it.
Getting started with mPiggy
Install the free app, log transactions, and import a Money Lover CSV if you are switching. No ads, no account, no card.
Summary
Money Lover is a capable tracker with a paywalled, ad-supported model. mPiggy is a household budget system on your phone—free, ad-free, offline-first. Try mPiggy if free-tier ads or stacked subscriptions got in the way.