PiggyVest alternative
The PiggyVest Alternative for Tracking and Budgeting Your Money in Naira
Here is the honest truth up front: PiggyVest and Auritrack do different jobs. PiggyVest is excellent at putting money away and earning a return on it. It does not track where the rest of your money goes or help you budget it. If you can save with PiggyVest but still have no idea where your salary disappears each month, Auritrack is the piece that has been missing — an AI tracker and budgeting app built for naira.
- Pricing verified:
- Jul 2026
Saving is not the same as tracking
PiggyVest solved a real problem for millions of Nigerians: it made saving automatic and locked money away before you could spend it. But saving ₦50,000 a month tells you nothing about where the other ₦200,000 went. That gap — the spending you never see — is what quietly keeps people short before payday, no matter how disciplined their savings are.
Auritrack fills that gap. You log spending in one line of chat, or upload a bank statement and the AI sorts every transaction into categories. It works natively in naira, and it is used across Nigeria and 50+ other countries. Keep saving in PiggyVest; use Auritrack to see and control the money you actually spend.
Auritrack vs PiggyVest, side by side
Feature comparison of Auritrack and PiggyVest
| Feature | Auritrack | PiggyVest |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | No |
| Automatic bank sync | On the roadmap; statement import today | NoFund via card or transfer |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | NoSaving, not budgeting |
| Savings goals | Yes | YesSavings goals are the core |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | Naira with dollar savings option |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Partial |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | YesIn-app investment products |
| Shared / household accounts | Yes | Group savings (Target) |
| Sells your data to advertisers | No | No |
| Price | Free tier + AI from $3/mo | Free |
PiggyVest: honest strengths and limitations
PiggyVest: strengths
- automated and locked savings
- in-app investments
- huge Nigerian trust
- instant funding
Limitations
- no expense tracking
- no budgeting
- no AI bookkeeping
- Nigeria only
Where each one belongs in your money
Think of it as two halves. PiggyVest is the vault: Safelock, Flex, target savings, and the investment products that grow your idle cash. Auritrack is the record: what came in, where it went, and whether you are on budget for the month. Used together they cover the whole picture — money saved and money spent — without either pretending to be the other.
If what you searched for was really “how do I stop wondering where my money went” rather than “another place to save,” the tracking half is the one you are missing, and it is the half Auritrack is built for.
Built for naira, not adapted to it
A lot of budgeting apps treat the naira as an afterthought. Auritrack does not — amounts, budgets and reports all work in naira, and if you also hold or spend in dollars the live conversion keeps everything in one view. You can track from the web, Android, iOS, or straight from Telegram with the @auritrack_bot, which is how a lot of Nigerian users log spending on the go.
Set up naira budgeting in Auritrack
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up a naira budget so you can track the spending PiggyVest never showed you.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create a free account
Sign up on the web app or mobile.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The honest verdict
Do not replace PiggyVest with Auritrack — they are not substitutes. Keep PiggyVest for automated saving and investing; it does that better than a tracker ever will. Add Auritrack if you want to finally see and budget your day-to-day spending in naira, with an AI doing the logging so you actually keep it up. Start on the free tier and add the AI features when you want them.
Where PiggyVest still wins
- automated and locked savings
- in-app investment products
- returns on idle cash
Frequently Asked Questions
Compare other alternatives
See where the rest goes
Save with PiggyVest. Track with Auritrack.
Auritrack shows you where your money actually goes each month, in naira, with an AI that does the logging. Set budgets, log by chat or statement, and stop wondering before payday. Free to start.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice. Expense tracker for Nigeria.