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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 一木记账
MoneyWise vs 一木记账
一木记账 stands out for its sticker-style illustrations and friendly, approachable design — popular among younger Chinese users who want expense tracking to feel less like a chore. It offers budgets, receipt photos, and optional cloud sync. MoneyWise complements with local-first privacy, multi-currency support, and BYOK AI.
Two ways to track your money. 一木记账 is a cute illustrated expense tracker popular with younger Chinese users. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | 一木记账 | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $1.70/mo · $13.70/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
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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.
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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 accounts, want your data stored privately on-device in an encrypted database, want an AI advisor powered by your own API key, or need a web interface alongside your mobile app.
Choose 一木记账 if
You want a visually charming, approachable expense tracker with a light-hearted aesthetic, mainly use CNY, and prefer an affordable VIP subscription at around ¥12/month or ¥98/year.
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
What makes 一木记账 different from other Chinese expense trackers? +
一木记账 is known for its illustrated sticker style and approachable design, which appeals to younger users who find traditional finance apps intimidating. MoneyWise offers a clean, professional interface focused on privacy and multi-currency tracking.
How does 一木记账 pricing compare to MoneyWise? +
一木记账 VIP is approximately ¥12/month or ¥98/year (about $1.70/mo or $13.70/yr). MoneyWise is free on a single device; Pro is $6.99/mo or $49.99/yr with multi-device sync, backup, and BYOK AI.
Does 一木记账 support multiple currencies? +
No — 一木记账 is designed for CNY and does not offer multi-currency account tracking. MoneyWise supports accounts in any currency with daily exchange rates built in.
Does 一木记账 store data locally or in the cloud? +
一木记账 offers optional cloud sync. MoneyWise stores all data in an encrypted database on your device; cloud sync is optional and end-to-end encrypted in Pro.
Does 一木记账 have AI features? +
一木记账 does not offer an AI advisor. MoneyWise Pro includes a BYOK AI advisor — you connect your own Anthropic or OpenAI key for private financial insights.
Is 一木记账 available outside China? +
一木记账 can be downloaded internationally on iOS and Android, but is designed for the Chinese market and CNY. MoneyWise is designed for a global audience with full multi-currency support.