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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 钱迹
MoneyWise vs 钱迹
钱迹 (Qianji) is a privacy-focused Chinese expense tracker that explicitly markets 'won't upload your data' (不会上传你的数据). It stores records locally by default, supports WebDAV for optional self-hosted sync, and has no ads or trackers — values it shares with MoneyWise. Where MoneyWise goes further: BYOK AI, multi-currency, and cross-platform reach beyond iOS/Android.
Two ways to track your money. 钱迹 is a privacy-conscious, offline-first Chinese expense tracker. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | 钱迹 | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | 免费 + 一次性内购解锁专业版 |
| 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 need multi-currency support for international accounts, want an AI advisor powered by your own API key, need a web interface beyond mobile, or you are outside China and want an app designed for a global audience.
Choose 钱迹 if
If you want a fully offline, local-storage-focused Chinese expense tracker with a one-time purchase model and no subscription, 钱迹 is an excellent choice. 如果你想要一个完全离线、专注于本地存储的中文记账工具，钱迹是非常好的选择。
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 钱迹 and MoneyWise share the same privacy philosophy? +
Yes — both apps are built on the principle that your financial data should stay on your device. 钱迹 explicitly says it won't upload your data. MoneyWise stores everything in an encrypted SQLite database on-device; cloud sync is optional and end-to-end encrypted. This makes 钱迹 MoneyWise's closest sibling in the Chinese-app space.
How does 钱迹's cloud sync work compared to MoneyWise? +
钱迹 supports WebDAV-based sync — you can use your own cloud storage (e.g., Nextcloud) to sync data. MoneyWise Pro uses end-to-end encrypted cloud sync managed by MoneyWise, without requiring you to set up your own server.
Does 钱迹 support multiple currencies? +
No — 钱迹 is designed for CNY and does not support multi-currency account tracking. MoneyWise supports accounts in any currency with daily exchange rates, making it better suited for international users or frequent travelers.
Does 钱迹 have AI features? +
钱迹 does not offer an AI advisor. MoneyWise Pro includes BYOK AI — you plug in your own Anthropic or OpenAI key, so your transactions are analyzed privately without being sent to a third-party AI vendor.
How does 钱迹 pricing compare to MoneyWise? +
钱迹 uses a one-time in-app purchase to unlock the Pro version — no recurring subscription. MoneyWise is free on a single device; Pro is $6.99/mo or $49.99/yr with sync, backup, and AI. If you prefer to avoid subscriptions entirely, 钱迹's one-time model is appealing.
Is 钱迹 available on web or desktop? +
钱迹 is mobile-only (iOS and Android). MoneyWise also supports a web interface, which is useful when you are at a computer and want to review your finances.