Plum vs Auritrack
Plum vs Auritrack: Auto-Saving or Budget Tracking?
Plum and Auritrack solve different halves of the same money. Plum sets aside cash automatically with rules and round-ups, and offers interest pockets, stocks and funds. Auritrack tracks and budgets what you actually spend, with an AI that logs and categorizes it. One grows a savings balance; the other keeps the spending side in order.
- Pricing verified:
- Jul 2026
Plum vs Auritrack: feature comparison
Feature comparison of Plum and Auritrack
| 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 |
Which one is right for you?
Choose Plum if…
- You want money moved to savings automatically with rules and round-ups
- Interest-paying easy-access pockets appeal to you
- You want to invest in stocks and funds inside the same app
- You are in the UK or EU
Choose Auritrack if…
- You want real budgets, not just light spending insights
- You want an AI to log and categorize spending by chat or statement import
- You track money in more than one currency
- You want to start on a free tier and add AI only when you want it
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 verdict
Pick Plum if your goal is to save and invest on autopilot and the spending side already looks after itself. Pick Auritrack if you want to see and budget where your money goes, with AI doing the categorizing. They pair well: let Plum handle saving and investing, and let Auritrack handle the tracking and budget, starting on its free tier.
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
Looking to move off Plum specifically? Read the Plum alternative guide, which covers migration and what to expect after switching.
Compare other alternatives
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Qapital alternative
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Compare and switch
Ready to try Auritrack instead of Plum?
Auritrack does the bookkeeping for you — chat your spending or import a statement, in any currency. Start on the free tier and add the AI features when you want them.
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.