Plum FintechPlum
Our verdict · Best when your goal is to save more automatically rather than just track what you spend.
Choose it if
Automated saving rules that build a habit painlessly
Skip it if
Budgeting and spending analysis are lighter than dedicated trackers
Where to get it
Plum
Free (Basic); Plus ~£3.99, Boost ~£7.99, Max ~£14.99/month
Indicative price at the time of review.
Plum tilts more towards saving and investing than pure budgeting, but its automation makes it a strong pick for beginners who struggle to put money aside. It analyses your income and spending, then squirrels away small amounts automatically through customisable rules and round-ups. Alongside spending analysis it offers easy-access savings, a Cash ISA, a Stocks and Shares ISA and a pension, so it can grow with you. The free Basic tier covers automated saving, while Plus (~£3.99/month), Boost (~£7.99/month) and Max (~£14.99/month) add higher interest rates, more rules and investing extras. Choose Plum if 'save without thinking about it' matters more to you than detailed category budgeting; pair it with a tracker like Emma or Snoop if you want both.
The good & the bad
Pros
- Automated saving rules that build a habit painlessly
- Savings and investing (ISAs, pension) under one roof
- Free tier covers the core automation
Cons
- Budgeting and spending analysis are lighter than dedicated trackers
- Best rates and features are locked to higher paid tiers
How it compares
| Pick | WATTB Score | Price | Best for |
|---|---|---|---|
| 1.Emma | 94/100 | Free (Basic); paid plans from ~£4.99/month (indicative) | overall |
| 2.Snoop | 90/100 | Free; Snoop Plus ~£5.99/month or ~£47.99/year (indicative) | free app |
| 3.Monzo | 88/100 | Free account; paid tiers Extra ~£3/month, Perks ~£9/month, Max from ~£19/month (indicative) | all-in-one bank and budget |
| 4.PlumThis pick | 84/100 | Free (Basic); Plus ~£3.99, Boost ~£7.99, Max ~£14.99/month (indicative) | automated saving |
| 5.HyperJar | 80/100 | Free to download and use (indicative) | envelope-style budgeting |
Key facts
- Best for
- automated saving
- Typical cost
- Free (Basic); Plus ~£3.99, Boost ~£7.99, Max ~£14.99/month (indicative)
- Platforms
- iOS and Android
- Focus
- Automated saving and investing
- Free tier
- Yes (Basic)
- Standout tool
- Automatic saving rules and round-ups
- Products
- Easy-access savings, Cash ISA, S&S ISA, pension
Researched by WATTB
- Published
- 31 August 2026
- Updated
- 31 August 2026
- Last verified
- 31 August 2026
- Sources
- 7 sources
We research and rank options from public data, official information and published reviews. How we research →
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