Avoided spends Freedom
Track the purchases you skip. Turn them into debt payoff, investments, and charitable giving. Watch your Freedom Index climb.
A look inside
Your whole month, on one screen
Freedom Index, what you saved and where, your streak, your next sweep, and a quick-log bar so the next skipped purchase takes two taps. Works on your phone and your laptop, light mode or dark.
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.
Groups & Challenges
Challenge friends and family to out-save you
Start a group, invite the people you know, and run a challenge to see who can avoid the most spending this month. A little friendly competition keeps you logging.
Learn
A two-minute lesson, right when it's useful
Short reads on debt, investing, and giving, surfaced on your dashboard when they're relevant to what you're doing — not a library you'll never open.
Accounts & Goals
Give every dollar a destination
Connect your accounts, set a savings goal with a real purpose — an emergency fund, a trip — and watch avoided spends move you toward it.
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.
Now recruiting beta testers
As a beta tester you get
A direct line to the founders
Your emails come straight to the people building PiggyBack. No bots, no ticket queue.
Your wishlist on our roadmap
Tell us what you want PiggyBack to do. Beta ideas get first consideration when we plan what's next.
First access to every new feature
You'll try new features before anyone else, and your feedback decides how they turn out.
Want the details? Read the beta tester guide
Be among the first.
PiggyBack is in public beta and we’re recruiting testers. The web app works in any browser — no app store, no download.