Acorns vs Plum
Acorns vs Plum: ETF Round-Ups or Automatic UK Saving?
These two automate money in different countries and toward different goals. Acorns is a US app that sweeps spare change into diversified ETF portfolios and retirement accounts. Plum is a UK and EU app that nudges money aside with saving rules, pays interest on easy-access pockets, and adds stocks and funds on higher tiers. Where you live and whether you want to invest or auto-save is what really separates them.
Acorns vs Plum: feature comparison
Feature comparison of Acorns, Plum and Auritrack
| Feature | Acorns | Plum | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | No | NoMarkets "AI" for saving, not bookkeeping | Yes |
| Automatic bank sync | YesLinks a card and account to power round-ups | YesOpen Banking to power auto-saving | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | No | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | Money Manager on the Gold tier | Spending insights, not full budgets | Yes |
| Savings goals | YesInvesting and savings goals | YesSavings pockets and goals | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoUS dollars only | GBP and EUR markets | YesLive exchange rates |
| Data export (PDF/CSV) | Statements and tax documents | Partial | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | YesIts core — ETF portfolios and IRAs | YesStocks and funds on paid tiers | No |
| Shared / household accounts | Kids accounts via Early on Gold | No | Yes |
| Sells your data to advertisers | No | No | No |
| Price | From $3/mo | Free tier + Plus £3.99/mo | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Acorns wins
- Round-ups flow into diversified ETF portfolios
- Retirement (IRA) and kids investment accounts
- Investing is the core product, not an add-on
- The natural pick for US-based savers
Where Plum wins
- Automated rule-based saving and round-ups
- Interest-paying easy-access savings pockets
- Has a genuinely free Basic tier
- Built for UK and EU savers with GBP and EUR
A third option: Auritrack
Both apps save and invest for you but offer only light spending insights, not real budgeting. Auritrack is the spending-tracking layer that fits alongside either: an AI logs and categorizes your spending from a chat message or an uploaded statement, so you can see what is free to save or invest. It runs on a free tier for manual tracking with AI plans from $3/month or pay-as-you-go Auricoins, and it has no live bank sync yet, so you share a statement rather than a bank login.
The verdict
Choose Acorns if you are in the US and want spare change growing in ETF portfolios and retirement accounts. Choose Plum if you are in the UK or EU and want automatic rule-based saving with interest pockets, plus optional investing. Since each is tied to its own region and neither is a real budget, Auritrack can track the spending side whichever one you use.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Acorns guide or the Plum guide, each an honest look at where that tool wins and where Auritrack fits.
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.