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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 Rocket Money
MoneyWise vs Rocket Money
Rocket Money (formerly Truebill) blends budgeting with an AI-powered subscription cancellation service, bank sync, and a generous free tier. MoneyWise trades cloud automation for local-first privacy, multi-currency tracking, and BYOK AI.
Two ways to track your money. Rocket Money is a freemium subscription-tracker with AI. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | Rocket Money | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $12.00/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 your financial data stored locally with no trackers, you travel internationally and need multi-currency support, or you want a clean AI advisor using your own key rather than a built-in black box.
Choose Rocket Money if
You have lots of unwanted subscriptions to cancel, you want a free budgeting app with automatic bank sync, and you're comfortable with an ad-supported model backed by Rocket Companies.
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 Rocket Money actually free? +
Rocket Money has a free tier with basic budgeting and spending tracking. Premium features — including subscription cancellation, credit monitoring, and savings automation — require the paid plan ($4–$12/mo, user-chosen).
What is Rocket Money's AI used for? +
Rocket Money's AI primarily identifies recurring subscriptions and flags opportunities to save or cancel services. MoneyWise's AI advisor answers broader financial questions using your own Anthropic or OpenAI key.
Does Rocket Money support multiple currencies? +
No — Rocket Money is built for US bank accounts and US dollars only. MoneyWise supports accounts in any currency with real-time exchange rates.
How does Rocket Money compare to MoneyWise on privacy? +
Rocket Money is owned by Rocket Companies and earns revenue through ads, upsells, and data partnerships. MoneyWise stores your data locally with no ads and no trackers — nothing leaves your device unless you opt into encrypted cloud sync.
Does Rocket Money have family or couple sharing? +
Rocket Money does not offer a formal family sharing plan. MoneyWise Pro supports multi-device sync, letting partners access the same accounts.
Can I export my Rocket Money data to MoneyWise? +
You can export your transaction history as CSV from Rocket Money and import key accounts manually into MoneyWise. There is no direct automated import yet.