mPiggy The short version: Spendee is a colorful, cloud-based tracker, but its free tier is capped at one wallet and one budget, and bank sync is Premium-only. mPiggy gives you uncapped budgeting on the free core, keeps data on your device, and treats bank sync as optional.
What is mPiggy?
mPiggy is a full personal ledger—wallets, transactions, budgets, goals, liabilities, statistics, and a wishlist—on your phone. The core is free with no caps, and bank sync is an optional add-on.
What is Spendee?
Spendee groups spending into colorful wallets (personal or shared), with charts and budgets, synced through a cloud account. The free Basic tier allows one cash wallet and one budget. Plus ($1.99/month or $14.99/year) unlocks unlimited wallets/budgets and shared wallets; Premium ($5.99/month or $35.99/year) adds automatic bank sync and categorization. All paid plans offer a 7-day trial.
mPiggy vs Spendee by category
Free-tier limits. Spendee’s free tier is tight—one wallet, one budget—so most households quickly need Plus. mPiggy’s free core has no wallet or budget caps at all.
Bank sync. Spendee reserves sync for Premium. mPiggy keeps it optional via Bank Connect, with fast manual entry as the default, so you only pay for automation if you want it.
Privacy and storage. Spendee is cloud-account based. mPiggy is offline-first—your data sits on the device and works without a connection.
Numbers you can trust. mPiggy derives balances from your transactions and historical exchange rates rather than showing opaque totals—handy for multi-currency budgets.
Mindful spending. mPiggy’s wishlist supports pausing before non-essential purchases, beyond Spendee’s after-the-fact charts.
Who mPiggy is best for
- You keep bumping into Spendee’s one-wallet free limit.
- You want budgeting without immediate Premium pressure.
- You prefer offline-first, on-device data.
- You want accounting-correct multi-currency and a wishlist.
Who Spendee is best for
- You love a colorful, visual UI and shared cloud wallets.
- You want automatic bank sync and accept a subscription for it.
- You budget across devices via the cloud.
Getting started with mPiggy
Install the free app, create as many wallets as you need, and import history from a file if you are leaving Spendee. No caps, no account, no card.
Summary
Spendee is a fast, colorful online tracker; mPiggy is a deeper, offline ledger with an uncapped free core and optional bank sync. Compare them on your own data—starting with how many wallets you actually need.