Plum alternative
The Plum Alternative for Tracking and Budgeting, Not Just Auto-Saving
Plum quietly nudges money out of your current account into savings and investments, and it markets that as AI. It is really a set of saving rules, and they work. What Plum does not do is bookkeeping: it will not read your statement, categorise your spending or hold you to a budget. If you want to see and control what you spend rather than just skim a bit into a pocket, Auritrack is the AI tracker that does that job.
- Pricing verified:
- Jul 2026
Plum’s “AI” saves money; it does not do your bookkeeping
The AI in Plum decides how much it is safe to move into savings and does it for you. Useful, but it is a saving mechanism, not a view of your finances. It will not tell you that your takeaways doubled this month or that three subscriptions are eating your budget. Those are bookkeeping questions, and Plum does not answer them.
Auritrack’s AI is pointed at exactly that. You type what you spent and it logs and categorises it, or you upload a bank statement and it sorts every transaction, then it keeps you to a budget. Set it up as your AI bookkeeping layer and let Plum keep skimming into savings and funds.
Auritrack vs Plum, side by side
Feature comparison of Auritrack and Plum
| Feature | Auritrack | Plum |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | NoMarkets "AI" for saving, not bookkeeping |
| Automatic bank sync | On the roadmap; statement import today | YesOpen Banking to power auto-saving |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | Spending insights, not full budgets |
| Savings goals | Yes | YesSavings pockets and goals |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | GBP and EUR markets |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Partial |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | YesStocks and funds on paid tiers |
| Shared / household accounts | Yes | No |
| Sells your data to advertisers | No | No |
| Price | Free tier + AI from $3/mo | Free tier + Plus £3.99/mo |
Plum: honest strengths and limitations
Plum: strengths
- automated rule-based saving
- round-ups and interest pockets
- in-app stocks and funds
- has a free tier
Limitations
- best features sit behind paid tiers
- UK and EU only
- investment and management fees
- only light spending insights, not real budgeting
Where Plum genuinely wins, and who should keep it
Do not cancel Plum to use Auritrack. Plum auto-saves with rules and round-ups, pays interest on easy-access pockets, and lets you invest in stocks and funds from the same app. Auritrack does none of that — it does not move your money, pay interest or invest. If growing idle cash is the job you want done, Plum is the right tool.
What sends people looking is that Plum keeps its better rates, funds and features behind paid tiers, and there are investment and management fees on top. That is a fair reason to want your budgeting handled somewhere separate and cheaper, which is where Auritrack fits.
The half Plum leaves out
Auritrack is the record and the budget. You set category limits, log spending by chat or by uploading a statement, and see how much of each budget is left. There is no live bank sync yet, so you share a statement rather than your bank login, and you can export everything as PDF or CSV. It works in every currency with live conversion, which matters if you deal in both pounds and euros.
It runs on the web, Android, iOS and Telegram. Our subscription tracker helps you spot the recurring charges that a saving app will happily let you keep paying.
Set up budgeting in Auritrack
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up a budget so you can track your spending while Plum keeps auto-saving and investing.
- 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
Keep Plum if the job you want is automated saving, interest pockets and light investing — it does that well and a tracker will not replace it. Add Auritrack if you want to track and budget your spending, with an AI doing the actual bookkeeping rather than marketing saving rules as AI. Start on the free tier and add the AI features when you want them.
Where Plum still wins
- automated rule-based saving and round-ups
- interest-paying easy-access pockets
- in-app investing in stocks and funds
Frequently Asked Questions
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See what you spend
Save with Plum. Track with Auritrack.
Auritrack shows you where your money actually goes each month, with an AI that does the real bookkeeping. Set budgets, log by chat or statement, in pounds or euros. 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. Budgeting app.