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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 Money Pro
MoneyWise vs Money Pro
Money Pro by iBear LLC is a well-established iOS and macOS personal finance app with strong multi-currency support, automatic bank sync, budgets, and Apple Watch integration. It is one of the closest feature peers to MoneyWise in the Apple ecosystem. The key difference: Money Pro syncs your bank accounts to the cloud, while MoneyWise is offline-first and stores everything encrypted on your device. MoneyWise also adds BYOK AI — bring your own Anthropic or OpenAI key for private financial advice without an extra subscription.
Two ways to track your money. Money Pro is a full-featured iOS/macOS finance manager from iBear LLC. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | Money Pro | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $4.99/mo · $14.99/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.
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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 your data stored locally with no cloud dependency, you want an AI advisor powered by your own API key, or you need investment tracking alongside your budgets and multi-currency accounts.
Choose Money Pro if
You want automatic bank sync deeply integrated with Apple's financial APIs, you use macOS as your primary platform and want a native Mac app today, or you prefer a one-time lifetime purchase ($59.99) to avoid recurring subscriptions.
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
How does Money Pro's pricing compare to MoneyWise? +
Money Pro offers a subscription at $4.99/mo or $14.99/yr, or a one-time lifetime purchase for $59.99. MoneyWise is free on a single device; Pro is $6.99/mo or $49.99/yr with multi-device sync, backup, and BYOK AI.
Does Money Pro work on macOS? +
Yes — Money Pro has a native macOS app, which is a strong point for users who manage finances on a Mac. MoneyWise is currently iOS-only, with macOS support on the roadmap.
Does Money Pro support multiple currencies? +
Yes — multi-currency is one of Money Pro's selling points, supporting accounts in many currencies with exchange rate conversion. MoneyWise also offers full multi-currency support with daily rates.
Where does Money Pro store my data? +
Money Pro syncs via iCloud, meaning your data passes through Apple's servers. MoneyWise stores everything in an encrypted SQLite database on your device; cloud sync is optional and end-to-end encrypted.
Does Money Pro have AI features? +
Money Pro does not currently offer an AI advisor. MoneyWise Pro includes a BYOK AI advisor — plug in your own Anthropic or OpenAI key to get private financial insights without sending your data to a third-party AI vendor.
Does Money Pro support investment tracking? +
Money Pro removed investment tracking in recent versions and focuses on budgeting and expense management. MoneyWise includes an investments tab for tracking your portfolio alongside day-to-day spending.