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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 MoneyKeeper
MoneyWise vs MoneyKeeper
MoneyKeeper (记账本) is a Chinese-developed expense tracker with a cross-border audience. It supports multi-currency tracking, budgets, and receipt photos — features that make it useful for travelers. MoneyWise goes further with local-first encrypted storage, BYOK AI, optional cloud sync, and no ads.
Two ways to track your money. MoneyKeeper is a Chinese-developed multi-currency expense tracker. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | MoneyKeeper | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | 免费 + 内购去广告（约 ¥18 一次性） |
| 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 financial data stored privately on-device, need BYOK AI insights, prefer no ads or trackers from the start, or want optional end-to-end encrypted cloud sync.
Choose MoneyKeeper if
You want a simple, free expense tracker with multi-currency support and are comfortable with an ad-supported model or a small one-time purchase to remove ads.
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 MoneyKeeper free? +
MoneyKeeper is free with ads. A one-time in-app purchase (approximately ¥18) removes ads. MoneyWise is free on a single device with no ads at all; Pro is $6.99/mo or $49.99/yr.
Does MoneyKeeper support multiple currencies? +
Yes — MoneyKeeper includes multi-currency support, which is useful for travelers. MoneyWise also supports accounts in any currency with daily exchange rates and BYOK AI for multi-currency spending analysis.
Where does MoneyKeeper store my data? +
MoneyKeeper stores data on-device but does not offer end-to-end encrypted cloud backup. MoneyWise stores everything in an encrypted database on your device; cloud sync is optional and end-to-end encrypted in Pro.
Does MoneyKeeper have bank sync? +
No — MoneyKeeper is a manual-entry app. MoneyWise is also manual-entry focused for privacy, with bank sync on the roadmap.
Does MoneyKeeper have AI features? +
MoneyKeeper does not offer an AI advisor. MoneyWise Pro includes a BYOK AI advisor using your own Anthropic or OpenAI key, providing private financial insights.
How accurate is the data for MoneyKeeper? +
MoneyKeeper has limited public documentation. The data shown here is based on App Store listings and is marked low confidence. If you find inaccuracies, please let us know.