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Personal Finance · head to head

Money Manager vs Venmo

Money Manager logo

Money Manager

Personal Finance

Personal and household finance tracker

From
Free
Rated
-
Full reviewWebsite
Venmo logo

Venmo

Personal Finance

Money transfer and social payments

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Money Manager databases created by version 1.4.x are not readable by current releases and produce the error MMEX database version 13 doesn't work with this MMEX version, requiring a manual conversion procedure; Venmo instant transfer costs 1.75 percent with a minimum fee of 0.25 USD and a maximum of 25 USD, while the free standard transfer takes 1 to 3 business days
  • They diverge on capability: Money Manager covers Expense tracking, Venmo covers Money transfers.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Money Manager and Venmo actually diverge.

Attributes where Money Manager and Venmo differ
AttributeMoney ManagerVenmo
Pricing modelopen-sourcefree
PlatformsWindows, Mac, Linux, IOS, AndroidWeb, IOS, Android
Founded20052009

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Money Manager

  • Expense tracking
  • Budget tracking
  • Reporting
  • Multi-currency support
  • Import/Export
  • CSV
  • Windows support
  • Mac support

Only in Venmo

  • Money transfers
  • Bill splitting
  • Social feed
  • Transaction history
  • Bank accounts
  • Debit cards
  • Web support

Both cover

  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Money Manager

  • Free desktop personal finance tracking on Windows, macOS and Linuxnot Venmo
  • Running a portable personal accounts file from removable media on Windowsnot Venmo
  • Categorising spending and reporting on personal accounts without a subscriptionnot Venmo

Venmo

  • Splitting bills and reimbursing friends in the United Statesnot Money Manager
  • Accepting payments through a Venmo business profilenot Money Manager
  • Buying and holding cryptocurrency inside the payments appnot Money Manager

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Money Manager

  • Databases created by version 1.4.x are not readable by current releases and produce the error MMEX database version 13 doesn't work with this MMEX version, requiring a manual conversion procedure
  • Linux is supported only through Flatpak builds for aarch64 and x86_64
  • The download page states no system requirements, deferring them to a separate compatibility page
  • There is no vendor support contract; the project is distributed as open source with no paid tier

Venmo

  • Instant transfer costs 1.75 percent with a minimum fee of 0.25 USD and a maximum of 25 USD, while the free standard transfer takes 1 to 3 business days
  • Sending money funded by a credit card carries a 3.00 percent fee
  • Cryptocurrency fees are tiered by trade size, from 2.20 percent on purchases of 1.00 to 74.99 USD down to 1.50 percent above 1,000 USD
  • Business profile payments cost 1.9 percent plus 0.10 USD, and Tap to Pay costs 2.29 percent plus 0.09 USD

Pricing, plan by plan

Money Manager

Free
  • Open SourceFree
    • Expense tracking
    • Budget management
    • Reports

Venmo

Free
  • FreeFree
    • P2P transfers
    • Bill splitting
    • Mobile app

Which should you pick?

Choose Money Manager if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want budget tracking.
Money Manager review

Choose Venmo if

  • You need money transfers.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want bill splitting.
Venmo review

Questions people ask

Is Money Manager or Venmo better?
Neither clearly leads. Money Manager starts at Free and Venmo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Money Manager or Venmo?
Money Manager starts at Free and Venmo at Free.
Does Money Manager or Venmo run on more platforms?
Money Manager runs on Windows, Mac, Linux, IOS, Android. Venmo runs on Web, IOS, Android.
Can I use Money Manager for free?
Both have a free tier, so you can try either at no cost before committing.
What is Money Manager best used for?
Money Manager is most often used for free desktop personal finance tracking on windows, macos and linux, running a portable personal accounts file from removable media on windows, categorising spending and reporting on personal accounts without a subscription. Of those, free desktop personal finance tracking on windows, macos and linux and running a portable personal accounts file from removable media on windows are not what Venmo is typically brought in for.
What can Money Manager do that Venmo cannot?
Money Manager covers Expense tracking, Budget tracking, Reporting, Multi-currency support. Venmo covers Money transfers, Bill splitting, Social feed, Transaction history. Both handle IOS support, Android support.

Answered from the vendors’ own pages

Money Manager: How much does MoneyManager Ex cost?

MoneyManager Ex is completely free and open source software with no charges, subscriptions, or hidden fees of any kind.

Source
Venmo: Is there a monthly fee for the Venmo Debit Card?

No, the Venmo Debit Card has no monthly fee or minimum balance requirement.

Source
Venmo: Is there an annual fee for the Venmo Credit Card?

No, the Venmo Credit Card has no annual fee.

Source
Venmo: Are there fees when buying or selling cryptocurrency on Venmo?

Yes, when buying or selling crypto on Venmo, the company discloses an exchange rate and fees for each transaction. For non-stablecoin currencies, the exchange rate includes a spread that Venmo earns on each purchase and sale.

Source
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