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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 편한가계부
MoneyWise vs 편한가계부
편한가계부 is a popular Korean manual expense tracker — simple, lightweight, and free with ads (ad removal is a small one-time purchase). It covers daily spending and basic budgeting without bank sync or AI. MoneyWise offers local-first encrypted storage, multi-currency support, web access, and BYOK AI for users who want more depth and privacy.
Two ways to track your money. 편한가계부 is a simple Korean manual expense tracker with ads. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | 편한가계부 | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | 광고 제거 일회성 구매 약 ₩4,400 |
| 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 your data stored locally in an encrypted database with no ads or trackers, need multi-currency support, want a web interface alongside mobile, or need an AI advisor that runs on your own API key.
Choose 편한가계부 if
You want the simplest possible expense-logging experience for KRW spending, you are comfortable with ads, and you don't need bank sync, web access, or AI 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
Is 편한가계부 free? +
편한가계부 is free with ads. A one-time in-app purchase of approximately ₩4,400 removes ads. MoneyWise is free with no ads at all on a single device; Pro is $6.99/mo or $49.99/yr.
Does 편한가계부 have bank sync? +
No — 편한가계부 is a manual entry app. MoneyWise is also manual-entry focused for privacy, with bank sync on the roadmap.
Does 편한가계부 support multiple currencies? +
편한가계부 is designed for the Korean market and KRW. MoneyWise supports accounts in any currency with daily exchange rates built in.
Does 편한가계부 have a web version? +
No — 편한가계부 is iOS and Android only. MoneyWise supports iOS, Android, and web.
Does 편한가계부 have AI features? +
No AI advisor is available. MoneyWise Pro includes a BYOK AI advisor using your own Anthropic or OpenAI key for private financial insights.
How accurate is the data shown for 편한가계부? +
편한가계부 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.