Finances vs MoneyWiz

Updated 14 September 2026 · MoneyWiz prices as advertised in September 2026

MoneyWiz is a subscription personal finance app for iPhone, iPad, Mac, Android and Windows with worldwide bank sync. Finances is a Mac-only app that keeps your data on your computer and can be bought once.

Download Finances free 30-day trial. macOS. No sign-up.

Finances vs MoneyWiz at a glance

Feature	Finances	MoneyWiz
Platform	✓ Native macOS desktop app	✓ iOS, macOS, Android, Windows
Where your data lives	✓ On your Mac, in an encrypted SQLite database	~ On device, synced through MoneyWiz cloud
Price	✓ One-time 1.x licence, or a monthly subscription	✗ Premium $4.99/month or $49.99/year; Standard $19.99/year
Free trial	✓ 30 days, no sign-up	✓ Free trial
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✓ Worldwide via Salt Edge, including Australia
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	✓ CSV, OFX, QIF
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	✓ Reports and charts
Subscription detection	✓ Automatic recurring-charge detection	~ Scheduled transactions
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ Automatic
Custom rules	✓ Match on text, amount, date or merchant	✓ Rules
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Device and cloud encryption
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	✓ Yes
Multi-currency	✓ Original amount and currency preserved	✓ Multi-currency
Receipts and attachments	✓ Attach receipts and files to transactions	✓ Attachments
Budgeting	✗ Not yet	✓ Budgets
Investments and net worth	✗ No	✓ Investments
Mobile app	✗ No	✓ iOS and Android
Shared / household access	✗ Single user	~ Shared via sync
Data export	✓ CSV export; the database is a standard SQLite file	✓ CSV
AI	✓ Open SQLite file your AI assistant can query	✗ No

✓ Yes ~ Partly or with caveats ✗ No

Where MoneyWiz wins

Every major platform, with sync between them.
Budgets and investments.

Where Finances wins

No cloud sync account required: your data never leaves your Mac unless you choose.
Consumer Data Right sync with Australian banks, plus direct Up Bank sync.
Sankey, calendar and map views, automatic subscription detection.
A one-time licence.

Which should you choose?

Choose MoneyWiz if you need the same data on your phone, Mac and Windows PC.

Choose Finances if you want a Mac-native, offline-first tool for transactions.

How Finances works

Finances is a native macOS app. Import CSV, OFX or JSON statements from any bank, or sync Australian accounts through Redbark (Consumer Data Right) and Up Bank directly. Transactions are categorised by a bundled merchant database and your own rules, then explored as a list, bar and pie charts, a Sankey diagram, a calendar, a map, or a subscriptions view. Everything is stored in an encrypted SQLite database on your computer, unlocked with Touch ID.

Frequently asked questions

Does MoneyWiz support Australian banks?

Yes, through Salt Edge screen-scraping or open banking. Finances uses Redbark, an accredited Consumer Data Right recipient, and connects to Up Bank directly.

Try Finances free for 30 days

No account, no card. Your data stays on your Mac.

Download for macOS

Other comparisons

MoneyWiz is a trademark of its respective owner and is not affiliated with The Finances App. Competitor details are based on public information as of September 2026 and may change; check the vendor's site for current pricing. Spotted a mistake? Let us know.