◆
Offline-first by design
Every record is in an encrypted SQLite database on your phone. Works in airplane mode.
MoneyWise vs 鲨鱼记账
MoneyWise vs 鲨鱼记账
鲨鱼记账 is a clean, minimalist expense tracker popular in China for its attractive design and simple user experience. It focuses on daily expense logging with budgets and receipt photos. MoneyWise offers broader platform reach, multi-currency support, local-first privacy, and BYOK AI.
Two ways to track your money. 鲨鱼记账 is a lightweight, design-forward expense tracker for the Chinese market. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | 鲨鱼记账 | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $3.50/yr |
| 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 handle multiple currencies, want your financial data stored locally in an encrypted database, need more than basic budgeting and receipt capture, or want an AI advisor powered by your own API key.
Choose 鲨鱼记账 if
You want an extremely simple, visually clean expense tracker for everyday CNY spending, and you prefer a very low-cost annual VIP option (about ¥25/yr) on iOS or Android.
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 鲨鱼记账 available outside China? +
鲨鱼记账 can be downloaded internationally on iOS and Android, but the app is designed for the Chinese market and CNY. MoneyWise is designed for a global audience with full multi-currency support.
How does 鲨鱼记账 pricing compare to MoneyWise? +
鲨鱼记账 VIP is approximately ¥25/year (about $3.50/yr) — one of the cheapest upgrade options available. MoneyWise is free on a single device; Pro is $6.99/mo or $49.99/yr and includes sync, backup, and AI.
Does 鲨鱼记账 have bank sync? +
No — 鲨鱼记账 is a manual-entry app. MoneyWise is also manual-entry focused, which keeps both apps private by default, though MoneyWise adds local encrypted storage.
Does 鲨鱼记账 support multiple currencies? +
鲨鱼记账 is designed for CNY and does not support multi-currency account tracking. MoneyWise supports accounts in any currency with daily exchange rates.
Does 鲨鱼记账 have AI features? +
No AI advisor is available in 鲨鱼记账. MoneyWise Pro includes a BYOK AI advisor using your own Anthropic or OpenAI key for private financial insights.
Is there a web version of 鲨鱼记账? +
鲨鱼记账 is mobile-only (iOS and Android). MoneyWise additionally offers a web interface alongside its mobile apps.