Avoided spends Freedom
Track the purchases you skip. Turn them into debt payoff, investments, and charitable giving. Watch your Freedom Index climb.
Why PiggyBack
A different kind of money tracker
Log What You Skip
Track avoided spending, not just what you spent
Most apps shame you for what you bought. PiggyBack rewards you for what you didn't. Log the latte you skipped, the impulse buy you walked away from, the dinner you cooked at home.
Freedom Index
See your progress as a single, gamified score
Your Freedom Index reflects how your daily decisions compound. As your avoided spending grows and you put it to work, your score climbs from Getting Started to Free.
Freedom Sweeps
Send your savings where they matter most
Allocate avoided spending across debt payoff, investments, and charitable giving. Watch real projections update live as you adjust the mix.
How it works
Three steps to financial freedom
01
Log a moment
Spotted a $7 latte and walked past it? Quick-log it in two taps. Categories and amounts are pre-filled so the friction stays low.
02
See the impact
Our Avoided Spend Transformation Engine shows exactly what that skipped purchase becomes — interest saved on debt, growth in investments, dollars to a cause you care about.
03
Sweep it forward
Once a month, run a Freedom Sweep. Allocate your avoided spending across debt, investing, and giving with a two-slider interface that always totals 100%.
Security and privacy aren’t features. They’re the foundation.
We never see your bank password. We don’t sell your data. We don’t use it for advertising. Our security program is built on the AICPA Trust Services Criteria, the FTC Safeguards Rule, and the Massachusetts Data Security Regulation.
Be among the first.
PiggyBack launches in May 2026. The web app works in any browser — no app store, no download.