How to Automate Your Savings with AI: The Smarter Way to Use Plum and Chip

Saving money has always been one of those “I’ll start next month” habits. We all know we should do it, but between bills, subscriptions, and daily spending, there’s rarely anything left to move aside. That’s exactly where modern savings apps like Plum and Chip come in — they quietly use AI to save for you, so you can focus on living your life while your balance grows in the background.

I’ve used both apps for a while now, and what I’ve found is simple: automation takes willpower out of the equation — and that’s a game-changer.

💡 Why Automation Beats Intention

Traditional saving relies on good habits. You decide how much to transfer, when to move it, and where to store it. The problem? Most people forget, get busy, or convince themselves they’ll do it “later.”

Automation flips that completely. Plum and Chip both use algorithms to analyse your income and spending, then move small, manageable amounts of money into savings — without you noticing the difference. It’s not about big, dramatic changes; it’s about small, consistent progress.

The truth is, consistency beats effort every time. AI doesn’t forget payday.

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🌱 Plum — The Friendly Financial Assistant

Plum takes a personable approach. It connects securely to your bank account, studies your spending patterns, and automatically saves small amounts when it detects you can afford it. The result is effortless accumulation — a few pounds at a time, but over weeks and months, it adds up.

What I like most about Plum is its tone. The app feels conversational — even encouraging. You can chat with the Plum chatbot, set goals (“Save £500 for holiday”), and choose between different saving “moods” — from cautious to ambitious. It also offers investment options, letting you put spare money into diversified funds once your emergency savings are stable.

Plum turns saving from a chore into something quietly rewarding — and surprisingly human for an AI-driven app.

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🤖 Chip — The Smart Saver That Thinks Ahead

Where Plum feels like a friendly guide, Chip behaves like a data-driven assistant. Its AI tracks your incoming and outgoing payments, predicts your future balance, and moves money into savings automatically. You can tweak how “aggressive” it saves, pause anytime, or even top-up manually.

Chip’s biggest strength is precision. It doesn’t just guess — it calculates, ensuring you never save more than you can afford. Over time, it learns your patterns and becomes more efficient. Plus, you can earn competitive interest rates through Chip’s savings accounts, often higher than what traditional banks offer.

If you’re analytical or data-oriented, Chip feels built for you. It’s less chatty than Plum, but more strategic — like a smart system working quietly in the background.

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🧩 Plum vs Chip — Which One’s Better?

Honestly, both do their jobs brilliantly — they just serve slightly different personalities.