Let a smart money bird make sense of your spending.
Our bright, AI-powered money bird auto-categorizes your spending, hunts down waste and credit card traps, and protects your data — so you can get comfortably rich and spend more time with the people (and pets) you love.
No credit card required. Cancel anytime.
You shouldn't have to save every penny — just be smart about money. Let Pip handle the hard part.
- Hates fees, interest, and debt
- Privacy-obsessed
- Quietly grows your comfortable wealth
Clarity in three quiet steps
Bring in your transactions
Upload a CSV, OFX, QFX, or QBO export from your bank — works with every bank and credit union. Upgrade to Pro for one-click Plaid auto-sync.
The bird categorizes for you
The money bird auto-categorizes your spending and spots junk fees and credit card traps.
You get the clarity
See where your money really goes. We keep your recent history fast and instant on your dashboard.
Simplicity by design.
Managing money can be overwhelming. That's why Pip 'n Save is built to do just one thing: give you absolute clarity on your spending. By keeping our focus narrow, we can offer a straightforward, affordable tool that just quietly does the job while you live your life.
Why focus wins
One clear mission
Prioritizing ease of use and privacy first — to help you see and improve your spending habits. We don't try to sell you new credit cards or insurance — just a clean design with no ads.
Simple and affordable
By staying lean and focused, we avoid the overhead of big banks. We pass those savings directly to you with a simple, fair price.
Best-in-class AI
Best-in-class categorization powered by our Private LLM. We use strict guardrails to keep your data local to your account — no public AI training, ever.
A clear picture of your spending
Know exactly where your money is going — no judgment, just truth and simple charts.
Avoid credit card traps
See how much "lazy tax" you're on track to pay — fees, overdrafts, and interest — so you can avoid them before they hit.
Comfortably rich, not miserably frugal
You don't have to save every penny or obsess over every latte — just be intentional so you can feel secure and still be generous.
Privacy-first by design
You own your data
We never sell your data to advertisers or brokers. Ever. You have total control — export your transactions or delete your account anytime, no hassles.
Mandatory privacy
We don't ever collect your bank account numbers or personal information (PII). Any sensitive data is scrubbed before it ever touches cloud AI providers, ensuring your identity stays private.
Bank-grade protection
Your data is secured using the same top-tier encryption protocols and multi-factor authentication trusted by major banks, keeping your information completely safe.
One simple difference
Free gives you a smart budget tracker. Pro gives you Pip as your personal financial life coach.
Pip watches your money.
- CSV / OFX / QFX / QBO file import
- AI transaction categorization & budgets
- Goal tracking, streaks & milestone celebrations
- Pip chat — 50 conversations per month
- Works with every bank and credit union
$9.99/mo — locked in for life, first 1,000 members only
Pip coaches your money.
Everything in Free, plus:
- Plaid auto-sync — connect your bank in one click, no more file uploads
- Pip chat — ask as much as you like, within fair use
- Personal profile — Pip learns your life stage, biggest worry, and 3-year goal
- Action plan with a prioritized to-do list built around your goals
- Goal feasibility scoring, conflict detection & what-if scenario planning
- Nudges personalized to your values and life situation
- Honest check-ins when you're stuck — not just repeated alerts
- Annual recalibration: revisit your goals every year
Cancel anytime. Rate locked for life.
What that looks like in practice
Free
"You went over budget on Dining last month."
Pro
"You've been over on Dining for three months. That usually means the budget needs adjusting, or something else is going on. Which is it?"
Ready to simplify your spending?
Start for free and get clarity on your finances today. No credit card required to start.
Privacy-first. No ads. No data sales. Just a smart bird.