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Offline-first by design
Every record is in an encrypted SQLite database on your phone. Works in airplane mode.
MoneyWise vs 1Money
MoneyWise vs 1Money
1Money is a Ukraine-developed expense tracker that shares MoneyWise's offline-first philosophy — your data lives on your device, not a vendor's server. It is clean, fast, and genuinely simple. Where MoneyWise goes further: BYOK AI advisor, investment tracking, family sharing, and receipt photos. If you want a no-frills tracker with solid multi-currency support and true offline storage, 1Money is a well-built option.
Two ways to track your money. 1Money is an offline-first expense tracker focused on simplicity. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | 1Money | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $4.99/mo · $19.99/yr |
| Platforms | ||
| iOS | ✓ | ✓ |
| Android | — | ✓ |
| Web | — | — |
| macOS | — | — |
| Windows | — | — |
| Linux | — | — |
| Features | ||
| Multi-currency | ✓ | ✓ |
| Offline-first | ✓ | ✓ |
| Local encryption | ✓ | — |
| Optional cloud sync | ✓ | ✓ |
| BYOK AI (your key) | ✓ | — |
| Built-in AI (no key) | ✓ | — |
| Investments | ✓ | — |
| Budgets | ✓ | ✓ |
| Receipt photos | ✓ | — |
| Voice input | ✓ | — |
| Automatic bank sync | — | — |
| Family sharing | ✓ | — |
| No ads | ✓ | ✓ |
| No trackers | ✓ | ✓ |
| Open source | — | — |
Where MoneyWise is different
▲
Bring your own AI key
Plug in your Anthropic or OpenAI key. Insights run with no extra subscription. Or use pooled credits in Pro.
●
Multi-currency from day one
Hold accounts in any currency. Convert with daily rates. No 'home currency only' lock-in.
★
No ads, no trackers
Nothing leaves your device unless you turn on optional encrypted sync. We literally cannot read your data.
AI you control
An advisor that runs on your terms
Most finance apps either don't have AI, or send your transactions to a vendor's server. MoneyWise lets you choose: bring your own Anthropic or OpenAI key, or use Pro's pooled credits. Either way, the AI sees only what you ask it to see.
- → Keys stored in iOS Keychain — never on our servers
- → Daily Brief, monthly summaries, and ad-hoc Q&A
- → Skip AI entirely — every other feature still works
Privacy, not a feature
Your data stays on your phone.
MoneyWise is built local-first. No ads, no trackers, no data sale — ever.
Offline-first
Every record is stored locally in an encrypted SQLite database. Works with airplane mode on.
Optional cloud sync
Sync across your own devices when you turn it on. Rows are encrypted at rest; we can't read them.
BYOK AI
Bring your own Anthropic or OpenAI key. Keys live in the iOS keychain and never transit our servers.
Which one is right for you?
Choose MoneyWise if MoneyWise
You want an AI advisor (BYOK), investment tracking, receipt photo capture, family sharing across devices, or a richer feature set while keeping your data offline-first and private.
Choose 1Money if
You want the simplest possible expense tracker that works offline, has no bank sync dependency, and is available on both iOS and Android without any subscription required for basic use.
Pricing
Free for everyday use. Pro when you need more.
No trial games. No dark patterns. Cancel any time in the App Store.
Free
Everything you need on a single device.
$0
- ✓ Unlimited records, accounts, and budgets
- ✓ Investments and portfolio tracking
- ✓ AI advisor (bring your own key)
- ✓ Local encrypted storage
Pro
Pro
Sync, backup, and more across every device.
7-day free trial
$49.99 /yr
or $6.99/mo
- ✓ Everything in Free
- ✓ Multi-device encrypted cloud sync
- ✓ Automatic cloud backup
- ✓ Receipt and attachment photos
- ✓ Pooled AI credits (no API key needed)
Take back control of your money.
Free to download. Pro subscription optional.
Android · Direct download
APK · Android 8+ · Pro upgrade via Play Store
Mac App Store
Coming soon · Mac App Store
iPad
In development
Apple Watch
In development
Frequently asked questions
Is 1Money truly offline-first? +
Yes — 1Money stores data locally on your device by default, with optional iCloud sync. MoneyWise is also offline-first with an encrypted SQLite database on-device and optional end-to-end encrypted sync in Pro.
How does 1Money's pricing compare to MoneyWise? +
1Money has a free tier and a Premium plan at $4.99/mo with a lifetime purchase option. MoneyWise is free on a single device; Pro is $6.99/mo or $49.99/yr and adds multi-device sync, backup, and BYOK AI.
Does 1Money support multiple currencies? +
Yes — 1Money offers multi-currency account tracking, which is one of its stronger features. MoneyWise also supports multiple currencies with daily exchange rates built in.
Does 1Money have AI features? +
1Money does not offer an AI advisor. MoneyWise Pro includes a BYOK AI advisor — connect your own Anthropic or OpenAI key to get private financial insights without a separate AI subscription.
Does 1Money support bank sync? +
No — 1Money is a manual-entry tracker without automatic bank sync. MoneyWise is also manual-entry today; bank sync is on the roadmap. Both apps are good choices if you prefer manual control over automatic bank connections.
Does 1Money work on Android? +
Yes — 1Money is available on both iOS and Android. MoneyWise is currently iOS-only, with Android support planned for a future release.