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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 Spendee
MoneyWise vs Spendee
Spendee is a freemium expense tracker with strong multi-currency support, wallet sharing, and bank sync — widely used in Europe. Both Spendee and MoneyWise support multi-currency accounts, but MoneyWise's local-first encrypted storage and BYOK AI give privacy-conscious users a unique edge.
Two ways to track your money. Spendee is a multi-currency expense tracker popular in Europe. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | Spendee | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $5.99/mo · $35.99/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 want your financial data stored locally in an encrypted database, you travel with multiple currencies and need robust tracking, or you want to use your own AI key for financial insights without your data leaving your device.
Choose Spendee if
You want a polished visual expense tracker with wallet sharing for groups or couples, multi-currency support, and don't mind a modest monthly subscription for bank sync 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
How does Spendee pricing compare to MoneyWise? +
Spendee Premium is $5.99/mo or $35.99/yr (Plus is $1.99/mo or $14.99/yr). MoneyWise is free for a single device; Pro is $6.99/mo or $49.99/yr. MoneyWise Pro includes more privacy features at a comparable price.
Does Spendee store data locally or in the cloud? +
Spendee syncs your data to the cloud. MoneyWise stores your data locally in an encrypted database on your device, with optional end-to-end encrypted cloud sync available in the Pro plan.
Both apps support multi-currency — what's different? +
Spendee's multi-currency support is well-regarded for group wallets and travel. MoneyWise adds local-first encryption so your multi-currency data stays private on device, plus BYOK AI for analyzing spending in any currency.
Does Spendee have AI features? +
Spendee offers automatic categorization but no AI advisor. MoneyWise Pro includes a BYOK AI advisor using your own Anthropic or OpenAI key, keeping your data private while providing intelligent insights.
Can Spendee sync to my bank accounts? +
Yes — bank sync is available on Spendee's Basic (limited), Plus, and Premium tiers. MoneyWise focuses on manual entry and receipt capture for maximum privacy, with bank sync on the roadmap.
Is Spendee available on desktop? +
Spendee has a web interface; its primary experience is on iOS and Android. MoneyWise also has iOS, Android, and web support.