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Personal Finance · head to head

Moneydance vs MoneyWiz

Moneydance logo

Moneydance

Personal Finance

Cross-platform personal finance management

From
On request
Rated
-
Full reviewWebsite
M

MoneyWiz

Personal Finance

Simple and powerful personal finance app

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only MoneyWiz has a free tier, so it costs nothing to try first.
  • Each has a real cost: Moneydance the free trial is limited to 100 manually entered transactions; MoneyWiz there is no free tier; every plan requires a subscription
  • They diverge on capability: Moneydance covers Bill tracking, MoneyWiz covers Expense tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Moneydance and MoneyWiz actually diverge.

Attributes where Moneydance and MoneyWiz differ
AttributeMoneydanceMoneyWiz
Starting priceOn requestFree
Pricing modelone-timefreemium
Free tierNoYes
PlatformsWindows, Mac, Linux, IOS, AndroidWeb, IOS, Android
Founded20012011

Identical on both: 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 Moneydance

  • Bill tracking
  • Investment monitoring
  • Budget tracking
  • Financial forecasting
  • Investment accounts
  • OFX import
  • Windows support
  • Mac support

Only in MoneyWiz

  • Expense tracking
  • Budget management
  • Multi-currency support
  • Financial analytics
  • Credit cards
  • Web support

Both cover

  • Bank accounts
  • IOS support
  • Android support

What people use each for

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

Moneydance

  • Desktop personal finance management on macOS, Windows and Linuxnot MoneyWiz
  • Importing and reconciling bank and credit card transactions locallynot MoneyWiz
  • Tracking investments and budgets without a cloud-only servicenot MoneyWiz

MoneyWiz

  • Tracking personal accounts, budgets and bills across iOS, macOS, Windows and Androidnot Moneydance
  • Syncing one finance database across multiple devices through MoneyWiz Cloudnot Moneydance
  • Automatically importing transactions through bank syncnot Moneydance

Where each one falls short

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

Moneydance

  • The free trial is limited to 100 manually entered transactions
  • A one-time Buy Once purchase covers Moneydance 2024 plus one free upgrade to the next major release, not all future versions
  • Bank connection features are sold separately as the Moneydance Plus subscription rather than included in the one-time purchase
  • Business use requires one licence per computer, while the household licence covers personal use only

MoneyWiz

  • There is no free tier; every plan requires a subscription
  • Bank sync with over 40,000 banks is Premium only, at 59.99 USD a year or 5.99 USD a month
  • The Standard plan at 29.99 USD a year provides only cloud sync between devices, with no bank sync
  • Subscriptions cap usage at 15 devices and two MoneyWiz Cloud accounts
  • Priority support is restricted to the Premium tier

Pricing, plan by plan

Moneydance

On request
  • Perpetual License$59.99/month
    • Full feature set
    • Free updates

MoneyWiz

Free
  • FreeFree
    • Basic expense tracking
    • Multiple accounts
  • Premium$4.99/month
    • Advanced analytics
    • Budget forecasting
    • Custom categories

Which should you pick?

Choose Moneydance if

  • You need bill tracking.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want investment monitoring.
Moneydance review

Choose MoneyWiz if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want budget management.
MoneyWiz review

Questions people ask

Is Moneydance or MoneyWiz better?
Neither clearly leads. Moneydance starts at On request and MoneyWiz at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moneydance or MoneyWiz?
MoneyWiz has a free tier; the other does not. Paid plans start at On request for Moneydance and Free for MoneyWiz.
Does Moneydance or MoneyWiz run on more platforms?
Moneydance runs on Windows, Mac, Linux, IOS, Android. MoneyWiz runs on Web, IOS, Android.
Can I use MoneyWiz for free?
Yes. MoneyWiz has a free tier, so you can try it without paying. Moneydance starts at On request.
What is Moneydance best used for?
Moneydance is most often used for desktop personal finance management on macos, windows and linux, importing and reconciling bank and credit card transactions locally, tracking investments and budgets without a cloud-only service. Of those, desktop personal finance management on macos, windows and linux and importing and reconciling bank and credit card transactions locally are not what MoneyWiz is typically brought in for.
What can Moneydance do that MoneyWiz cannot?
Moneydance covers Bill tracking, Investment monitoring, Budget tracking, Financial forecasting. MoneyWiz covers Expense tracking, Budget management, Multi-currency support, Financial analytics. Both handle Bank accounts, IOS support, Android support.

Answered from the vendors’ own pages

Moneydance: How much does Moneydance cost?

Moneydance pricing is not disclosed on the main website; customers must visit the purchase page to view rates. The software includes a 90-day money back guarantee.

Source
Moneydance: Is there a free trial?

Yes, Moneydance offers a free trial that is fully functional but limited to entering up to 100 manually entered transactions.

Source
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