Your finances on autopilot with Up Bank
Track spending, split bills with your partner, and let a 25-tool AI assistant handle the boring stuff. Runs on your own Vercel + Supabase stack.
Welcome back, Ben!
TOP SPENDING
$3,420 this month
Woolworths
Groceries
Seven Seeds
Coffee
Salary
Income
$172 due soon
Telstra
In 3 days
Spotify
In 5 days
Payday
In 5 days
Budgeting Without the Busywork
Set your budget in seconds. Never enter a transaction.
Transactions sync from Up Bank automatically. You set spending limits, create your own categories, and choose your budget period. Everything stays up to date without you lifting a finger.
- Transactions sync the moment they happen
- Custom categories and subcategories with emoji icons
- Weekly, fortnightly, or monthly budget periods
- Separate budget views for you and your partner
To Be Budgeted
$1,240
25-Tool AI Agent
Not a chatbot. A financial analyst.
Penny has 29 tools. She can check your spending velocity, forecast cash flow, analyse subscriptions, run custom queries, and create budgets, goals, and expenses on your behalf.
- 14 query tools plus a custom SQL-like power query
- Spending velocity, cash flow forecast, subscription analysis
- Creates budgets, goals, and expense definitions for you
- Works in-app and via OpenClaw bot integration
getSubscriptionCostTrajectoryAnalyzing 14 subscriptions...comparePeriodsComparing last 3 months...
Real-Time Webhook Sync
Every transaction, instantly
Up Bank sends a webhook the moment you tap your card. PiggyBack picks it up, matches it to your bills, detects income, and categorises it. No polling, no waiting.
- Cryptographically verified (HMAC-SHA256) webhook events
- Auto-matches transactions to bills and income
- AI categorises every new transaction as it arrives
- Handles created, settled, and deleted events
Smart Categorization
Up Bank gets categories wrong. We fix them.
A two-pass system recategorises transactions as they arrive. First it checks a cache of 340+ known merchants (instant, free). If there’s no match, AI handles it.
- 340+ merchant cache for instant, free lookups
- AI fallback with confidence scoring
- Create your own category mappings with emoji icons
- Batch recategorise historical transactions
Smart Categorization
2-pass systemJ SMITH
Uncategorized
AMZN MKTP
Shopping
SQ *COFFEE
Restaurants
PAYPAL *NETLF
Entertainment
Partner Expense Splitting
Split expenses by income, not just 50/50
If one of you earns more, you can split shared expenses proportionally. Override the split on any category or individual transaction. Each person gets their own budget view.
- Preset splits: 50/50, 60/40, 70/30, 80/20, or custom
- Override at the category or transaction level
- Two independent budget views with separate assignments
- AI analysis shows who’s paying what vs income share
Our Budget
Shared viewAI Split Analysis: Ben is currently paying 62% of shared expenses vs 58% income share. Sarah could take on $34/mo more to balance.
Smart Bill Detection
AI finds your recurring expenses
PiggyBack scans 6 months of transactions to find recurring payments. It scores them on pattern, amount, and timing, then links each bill directly to the transaction that paid it.
- Scores by pattern, amount, and timing to find recurring bills
- Status tracking: Overdue, Due Today, Due Soon, Paid
- Links each bill to its actual Up Bank transaction
- Handles small amount variations and timing shifts
Plan
Financial projections & planning
5
$420
+$5,080
$109k
Telstra
Expected: 15 Feb
Rent
Expected: 18 Feb
Spotify
Expected: 20 Feb
And there's more
Everything you need, nothing you don't
Overall Progress
0%
Complete across 2 goals
House Deposit
of $50k
Japan Trip
of $5k
Woolworths
47 visits · Last: 2 days ago
Total
$2,340
Average
$49.80
This month
$185
Monthly spend
4 Themes
Mint
Light
Dark
Ocean
Sankey Diagrams
D3-powered · February 2026Investing
Total Portfolio
$0
OpenClaw Skill
Query your PiggyBack data from any OpenClaw-compatible client — spending, budgets, goals, and insights.
View on GitHubActivity
Spending
$3,420
42 transactions
Income
$8,500
This Month
Woolworths
Groceries
Seven Seeds
Coffee
MIT Licensed
Self-Hosted by Design
Why is this self-hosted?
Australian banking regulations and Up Bank's API terms don't allow third parties to store your banking credentials. PiggyBack can't exist as a SaaS, so you run it yourself on your own infrastructure with your own API keys.
- Banking regulations require you to control your own tokens
- Your data lives in your own Supabase database
- Runs on your Vercel account (free tier works)
- MIT licensed. Fork it, change it, make it yours.
- No middleman between you and your bank
You Own the Whole Stack
Your database. Your hosting. Your keys. Nobody else touches your bank data.
Get Started in Minutes
Three steps to deploy
1. Fork & Clone
Fork the repo and configure environment variables
2. Set Up Supabase
Create a Supabase project and run the SQL migrations
3. Deploy to Vercel
Import your fork on Vercel and deploy
Deploy PiggyBack in 15 minutes
Fork the repo, set up Supabase, deploy to Vercel. The guide walks you through every step.