Finances vs WeMoney

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

WeMoney is a free Australian mobile app combining open banking, net worth and credit score tracking. Finances is a Mac app for analysing your transactions with your data kept on your computer.

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

Finances vs WeMoney at a glance

Feature	Finances	WeMoney
Platform	✓ Native macOS desktop app	✓ iOS, Android
Where your data lives	✓ On your Mac, in an encrypted SQLite database	✗ WeMoney's cloud
Price	✓ One-time 1.x licence, or a monthly subscription	✓ Free
Free trial	✓ 30 days, no sign-up	✓ Free
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✓ Australia via CDR
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	✗ No
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	~ Net worth, spending
Subscription detection	✓ Automatic recurring-charge detection	✓ Subscription tracking
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ Automatic
Custom rules	✓ Match on text, amount, date or merchant	✗ No
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Encrypted on their servers
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	✗ Needs an internet connection
Multi-currency	✓ Original amount and currency preserved	✗ AUD
Receipts and attachments	✓ Attach receipts and files to transactions	✗ No
Budgeting	✗ Not yet	~ Basic
Investments and net worth	✗ No	~ Net worth and credit score
Mobile app	✗ No	✓ iOS and Android
Shared / household access	✗ Single user	✗ Single login
Data export	✓ CSV export; the database is a standard SQLite file	~ Limited
AI	✓ Open SQLite file your AI assistant can query	✗ No

✓ Yes ~ Partly or with caveats ✗ No

Where WeMoney wins

Free.
Credit score and net worth on your phone.

Where Finances wins

Local, encrypted storage.
CSV, OFX and JSON import for full history.
Rules, Sankey, calendar, map and merchant views.

Which should you choose?

Choose WeMoney if you want a free overview of net worth and credit on your phone.

Choose Finances if you want to analyse transactions in depth without giving your data to a cloud service.

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 Finances show a credit score?

No. Finances is focused on transactions and spending.

Try Finances free for 30 days

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

Download for macOS

Other comparisons

WeMoney 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.