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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 MoneyCoach
MoneyWise vs MoneyCoach
MoneyCoach is a polished iOS and macOS budgeting app from a Greek developer team, with a built-in AI Coach, European bank connections (2,800+ institutions), investment tracking, and deep Apple ecosystem integration including Apple Watch and Apple Vision Pro. The key distinction from MoneyWise: MoneyCoach's AI is built-in and sends your data to their servers, while MoneyWise's BYOK AI uses your own Anthropic or OpenAI key — your transactions never leave your device for AI analysis. MoneyWise is also offline-first; MoneyCoach requires cloud connectivity for bank sync.
Two ways to track your money. MoneyCoach is an AI-powered iOS budgeting app with European bank sync. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | MoneyCoach | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $4.99/mo · $39.99/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 trackers, you prefer to control your AI with your own API key (BYOK), you are outside Europe where MoneyCoach's bank sync may not cover your banks, or you want true offline-first operation.
Choose MoneyCoach if
You want automatic bank sync with European bank accounts, you value a native macOS app today, or you prefer a built-in AI Coach that works without configuring your own API key.
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 is MoneyCoach's AI different from MoneyWise's AI? +
MoneyCoach has a built-in AI Coach that processes your data on their servers — convenient, but your transactions are sent to a third-party. MoneyWise uses BYOK AI: you plug in your own Anthropic or OpenAI key, so the AI runs with only what you choose to share and nothing is stored on MoneyWise's servers.
How does MoneyCoach pricing compare to MoneyWise? +
MoneyCoach Premium is $4.99/mo or $39.99/yr with a limited free tier. 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 MoneyCoach work on macOS? +
Yes — MoneyCoach has a native macOS app (macOS 14 Sonoma or later), as well as Apple Watch and Apple Vision Pro support. MoneyWise is currently iOS-only, with macOS support planned.
Does MoneyCoach support automatic bank sync? +
Yes — MoneyCoach connects to 2,800+ European bank accounts. MoneyWise is manual-entry today with bank sync on the roadmap, which trades automation for stronger privacy: no third-party data broker access.
Does MoneyCoach support multiple currencies? +
Yes — MoneyCoach offers multi-currency support with real-time conversion. MoneyWise also supports multiple currencies with daily exchange rates built in.
Where does MoneyCoach store my data? +
MoneyCoach syncs data to iCloud and uses third-party services for bank connections and AI features, meaning some data passes through external servers. MoneyWise stores everything in an encrypted database on your device; cloud sync is optional and end-to-end encrypted.