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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 Moneytree
MoneyWise vs Moneytree
Moneytree (マネーツリー) is a Japanese financial data aggregator with a strong privacy positioning — no ads, no data brokering, no trackers. Like MoneyWise, Moneytree values user data privacy. The key difference: Moneytree focuses on aggregation (bank sync + investments) without budgeting tools, and is Japan-only. MoneyWise goes further with local-first encrypted storage, multi-currency support, budgeting, and BYOK AI.
Two ways to track your money. Moneytree is a privacy-focused Japanese financial data aggregator. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | Moneytree | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $3.30/mo |
| 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 active budgeting tools alongside account aggregation, handle multiple currencies, need your data stored locally in an encrypted database, or want a BYOK AI advisor that processes your data privately on your own terms.
Choose Moneytree if
You are based in Japan, want a no-ads, privacy-respecting aggregator for Japanese bank and investment accounts, and don't need detailed budgeting features.
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
Do Moneytree and MoneyWise share the same privacy philosophy? +
Both apps take privacy seriously — Moneytree explicitly avoids ads and data brokering, and MoneyWise stores all data locally in an encrypted database. The key difference: Moneytree is a cloud aggregator (your data lives on their servers), while MoneyWise keeps everything on-device unless you opt into encrypted sync.
Does Moneytree support budgeting? +
Moneytree focuses on financial data aggregation rather than active budgeting. MoneyWise has monthly category budgets with spending pace tracking.
Does Moneytree support multiple currencies? +
Moneytree is designed for the Japanese market and JPY. Multi-currency support is not offered. MoneyWise supports accounts in any currency with daily exchange rates.
Is Moneytree available outside Japan? +
Moneytree's bank sync relies on Japanese financial institution partnerships and works best within Japan. MoneyWise works globally and supports multi-currency accounts out of the box.
Does Moneytree have AI features? +
Moneytree does not currently offer an AI advisor. MoneyWise Pro includes a BYOK AI advisor — you plug in your own Anthropic or OpenAI key, so your transactions are never sent to a third-party AI vendor.
How does Moneytree pricing compare to MoneyWise? +
Moneytree has a free tier; Moneytree Plus is approximately ¥500/month (about $3.30/mo). MoneyWise is free on a single device; Pro is $6.99/mo or $49.99/yr with multi-device sync, backup, budgeting, and BYOK AI.