Stop wasting money.
Start saving.
Turn your monthly income into a daily spending plan with AI-powered meal planning. No spreadsheets. No math. Just save.
Daily Budget
$53
Meals/Day
$29
Saved/Month
$1,000
Local prices · New York City
Bubble tea
$7
Chicken (lb)
$6
Vegetables
$3
Lunch out
$18
🔥 +8% momentum · decay 47% · Jul travel · ☕ Latte leak $3/d surplus 3%
Save moneystay healthy
AI plans your daily meals within budget, with calorie estimates and cost breakdowns. Local price data across 14 cities — never overspend wherever you are.
AI Meal Planner
"Three months in, saving 30% more each month. Meal planner is a lifesaver — I check before shopping now."
Savings
This week
How it works
Set your income
Monthly income, savings goal, fixed costs. One-time, 60 seconds.
AI builds your plan
Daily budget auto-calculated. Meal allocation generated instantly. Zero math.
Live your life
Open the piggy, log in one tap. We track everything else.
Features
Budget Engine
Input your income once. The engine computes a daily safe spending limit — adjusting in real-time as you spend. Powered by four behavioral economics theories fused into one algorithm.
Meal Planner
Healthy meal suggestions within your budget, with calorie estimates and cost breakdowns. Backed by localized price data across 14 global cities.
Analytics
Spending trends, category breakdowns, and projected savings at a glance. Daily, weekly, and monthly rollups. No more surprise statements.
Smart Alerts
Warned before you overspend, not after. Morning briefings, weekly reports, and real-time alerts — designed with Kahneman's loss aversion principles.
How the algorithm works
The SaveSmart Piggy budget engine fuses four Nobel-caliber behavioral economics theories, computing your daily safe spending limit through 10 independent factors.
Thaler · Mental Accounting
1985
People mentally bucket money into separate "accounts" (rent, food, fun). The engine simulates this through Hani's Kakeibo four-category decomposition of your spending structure.
Kahneman · Prospect Theory
1979
Losses hurt ~2.25× more than equivalent gains. The engine's impulse factor and loss aversion alerts are directly derived from this λ coefficient.
Modigliani · Life-Cycle
1954
Rational agents smooth consumption across their lifetime. The COL and lifecycle factors model intertemporal optimization — encouraging steady monthly savings.
Hani · Kakeibo
1904
Four spending categories: survival, culture, waste, unexpected. The engine dynamically allocates ratios — adapting to your city's cost of living and personal habits, not a fixed-percentage rule.
Floating Piggy Bank
A standalone window on your desktop. Remaining budget at a glance. Coin-drop motivation. 5 styles. AI bubbles with timed reminders.
Pricing
Start free. Upgrade when you outgrow it. No time limits on free.
Hobby
- Basic budget dashboard
- 5 expense entries/day
- 7-day history
- 1 piggy style
Pro
- Unlimited expense logging
- AI meal planner
- Full analytics & reports
- 5 piggy styles + coins
- Data export (CSV/PDF)
- Email reminders
Lifetime
- Everything in Pro
- Priority support
- Early access to features
- Lifetime updates
All plans include end-to-end encryption. No credit card required for Hobby.
FAQ
- How does SaveSmart Piggy calculate my daily budget?
- We fuse four Nobel-caliber economic theories: Thaler's Mental Accounting, Kahneman's Prospect Theory (loss aversion λ=2.25), Modigliani's Life-Cycle Hypothesis, and Hani's Kakeibo method. The engine dynamically computes your daily safe spending limit based on income, savings goals, city cost-of-living, and your recent 7-day spending patterns.
- Which cities are supported?
- 14 major cities currently: New York, San Francisco, Los Angeles, London, Tokyo, Singapore, Shanghai, Beijing, Seoul, Berlin, Paris, Sydney, Dubai, and Toronto. Each includes real local prices for bubble tea, meat, vegetables, lunch, and more. More cities added continuously.
- How does the piggy bank window work?
- Click the piggy jar icon on the landing page or the "Piggy View" button in Dashboard. A chromeless standalone window opens. Drag it anywhere on your desktop and leave it open. Coin animations reflect your real-time budget status. AI bubbles pop up automatically every ~15 seconds with tips.
- What are the limits of the free plan?
- The free Hobby plan has no time limit. It includes the full budget engine, 2 cities, basic meal recommendations, and the analytics dashboard. Pro unlocks all 14 cities, unlimited meal planning, advanced analytics export, and priority algorithm updates. Lifetime is all Pro features, forever.
- Is my financial data secure?
- We never store your bank account credentials. You only input income and spending numbers — no financial account linking required. All data is encrypted in transit (HTTPS) and at rest. You can export or delete your data at any time.
Join 2,400+ savers who already ditched spreadsheets.