SHORT ANSWER
Choose Pigget for a simpler shared envelope budget shaped around European households and iPhone or iPad use. Choose Banktivity when you also want a native Mac app, investment tracking, extensive reports, or long-established personal-finance depth.
Who each app is for
Pigget is the better fit if…
You want a calm, envelope-first app for a household budget, spend most of your time on iPhone or iPad, and prefer fewer financial-administration surfaces.
Banktivity is the better fit if…
You want one Apple-native system for budgeting, investments, real estate, loans, reports, and currencies—or you need a full native Mac app.
Pigget vs Banktivity at a glance
| Decision point | Pigget | Banktivity |
|---|---|---|
| Best for | Focused envelope budgeting for European Apple households | Detailed personal finance and investment management on Apple devices |
| Platforms | Native iPhone and iPad app | Native Mac, iPhone, and iPad apps |
| Budgeting | Envelope-style, zero-based planning is the core product | Traditional category and envelope budgeting |
| Multiple currencies | Accounts and goals retain natural currencies inside one household plan | Different account currencies, exchange rates, cross-currency transfers, and converted reports; Gold plan required |
| Bank connections | 2,900+ available read-only connections in the current catalogue | Banktivity advertises connections to more than 15,000 banks |
| Sharing | Apple iCloud sharing with household members | Cloud Sync can keep the same ledger synchronized for multiple people and devices |
| Investments | Not the product's focus | Portfolio, securities, real estate, crypto, and investment reports on higher tiers |
| Published price | Private beta; public pricing not announced | US$6.99–$10.99/month, billed annually; multi-currency is on Gold at $10.99/month |
Banktivity prices are in US dollars before tax. Facts checked 20 August 2026.
Budgeting experience
Pigget starts from one question: what should the money the household has do next? Categories, targets, expected income, transaction review, and reports all serve that envelope plan. It is deliberately narrower than a complete personal accounting suite.
Banktivity supports both traditional category budgeting and envelope budgeting. It also surrounds the budget with more accounting and wealth-management tools: more than 15 report types, investment performance, real estate, loan schedules, and other asset tracking. That breadth is valuable when you want one financial system, but it can be more product than a household needs for everyday spending decisions.
Currencies and bank connections
Both products can represent a financial life that crosses currencies. Banktivity assigns a currency to each account, automatically downloads exchange rates, supports foreign-currency transactions and transfers, and converts reports to a display currency. Its current plans place international currencies and downloaded exchange rates in the Gold tier.
Pigget also keeps accounts and goals in their native currency and values the combined plan in a base currency. The emphasis is budget availability rather than portfolio accounting. For either app, inspect how a converted transaction records both the amount paid and the amount that affected the household plan; a single current exchange rate is not always the same as the card settlement amount.
Banktivity advertises more than 15,000 bank connections. Pigget's current public catalogue contains more than 2,900 available read-only connections. Neither number answers whether your exact card or savings account works, so verify institution and account type before migrating.
Sharing and privacy
Pigget uses Apple's CloudKit and iCloud sharing for the budget. Invited members can edit the household plan, and the app is designed around the household as the unit of work.
Banktivity's documentation says two or more people can share the same ledger with Cloud Sync. Its cloud documents are encrypted with a password chosen by the user, and changes synchronize across paired ledgers and devices. The model is document synchronization rather than a household-specific subscription or permission system, so households should agree on ownership, password recovery, and which ledger is authoritative.
Price and maturity
Banktivity publishes three annual-billing tiers: Bronze at US$6.99 per month, Silver at US$8.99, and Gold at US$10.99. All include a 30-day trial; multi-currency and downloaded exchange rates are listed under Gold. It is a mature product with substantial Mac and investment functionality.
Pigget is in private beta and has not announced public pricing. It is smaller and more focused, which can make the app feel calmer and give beta users more product influence, but also brings the normal uncertainty of a young product.
Verdict
Choose Banktivity if “budgeting” is one part of a wider need for investment, asset, loan, and reporting depth—especially on Mac. Choose Pigget if the shared envelope plan itself is the product you want and an iPhone/iPad-first workflow matters more than a comprehensive personal-finance suite.
The overlap is real: both are Apple-native, can budget with envelopes, and can handle multiple account currencies. The deciding factor is not a checklist win; it is whether you want focused household planning or broader financial administration.
Official sources
- Banktivity plans and pricing
- Banktivity features, platforms, currencies, and bank connections
- Banktivity multi-currency documentation
- Banktivity shared ledger documentation
- Pigget product facts and limitations
- Pigget bank connection catalogue
Pigget is not affiliated with Banktivity. Banktivity and its product names are the property of their respective owner.
PRIVATE BETA
See whether Pigget fits your household.
Try the current iPhone and iPad beta through Apple TestFlight. Public pricing has not been announced.