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Personal Finance · head to head

Moneydance vs Wealthfront

Moneydance logo

Moneydance

Personal Finance

Cross-platform personal finance management

From
On request
Rated
-
Full reviewWebsite
Wealthfront logo

Wealthfront

Personal Finance

Automated investing for your money

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Moneydance the free trial is limited to 100 manually entered transactions; Wealthfront the Automated Investing Account carries a 0.25% annual advisory fee on top of the underlying fund expenses
  • They diverge on capability: Moneydance covers Bill tracking, Wealthfront covers Automated portfolio management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Moneydance and Wealthfront actually diverge.

Attributes where Moneydance and Wealthfront differ
AttributeMoneydanceWealthfront
Pricing modelone-timetransaction
PlatformsWindows, Mac, Linux, IOS, AndroidWeb, IOS, Android
Founded20012011

Identical on both: starting price (On request), free tier (No), 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
  • OFX import
  • Windows support
  • Mac support
  • Linux support

Only in Wealthfront

  • Automated portfolio management
  • Tax-loss harvesting
  • Financial planning
  • Index fund investing
  • Web support

Both cover

  • Bank accounts
  • Investment 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 Wealthfront
  • Importing and reconciling bank and credit card transactions locallynot Wealthfront
  • Tracking investments and budgets without a cloud-only servicenot Wealthfront

Wealthfront

  • Automated index fund investing with periodic rebalancingnot Moneydance
  • Tax loss harvesting in a taxable brokerage accountnot Moneydance
  • Buying fractional shares of individual stocks with no commissionnot 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

Wealthfront

  • The Automated Investing Account carries a 0.25% annual advisory fee on top of the underlying fund expenses
  • Tax-Loss Harvesting and automated rebalancing apply to the Automated Investing Account, not the self-directed Stock Investing Account
  • It is a US brokerage product and is not offered to investors outside the United States

Pricing, plan by plan

Moneydance

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

Wealthfront

On request
  • BasicFree
    • Automated investing
    • Tax-loss harvesting
    • Rebalancing
  • Premium Plus$50/month
    • All Basic features
    • Financial planning
    • Human advisor access

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 Wealthfront if

  • You need automated portfolio management.
  • You work on Web, IOS, Android.
  • You also want tax-loss harvesting.
Wealthfront review

Questions people ask

Is Moneydance or Wealthfront better?
Neither clearly leads. Moneydance starts at On request and Wealthfront at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moneydance or Wealthfront?
Moneydance starts at On request and Wealthfront at On request.
Does Moneydance or Wealthfront run on more platforms?
Moneydance runs on Windows, Mac, Linux, IOS, Android. Wealthfront runs on Web, IOS, Android.
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 Wealthfront is typically brought in for.
What can Moneydance do that Wealthfront cannot?
Moneydance covers Bill tracking, Investment monitoring, Budget tracking, Financial forecasting. Wealthfront covers Automated portfolio management, Tax-loss harvesting, Financial planning, Index fund investing. Both handle Bank accounts, Investment 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
Wealthfront: What fees does Wealthfront charge?

Wealthfront offers zero account fees on cash accounts and zero commissions on stock trades. The site indicates 'no minimum' requirement to get started with certain products.

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
Wealthfront: Is the 3.30% APY rate guaranteed or promotional?

The 3.30% base APY is provided by program banks and subject to change. An APY Boost up to 4.20% is available for balances up to $150,000 through two easy methods.

Source
Wealthfront: What account types and features are included?

Wealthfront supports taxable accounts, retirement accounts (Traditional/Roth IRA, SEP), 529 education accounts, and joint accounts. Features include free 24/7 instant withdrawals and up to $8M FDIC insurance.

Source
Wealthfront: What support resources are available?

Customers can access a help center at support.wealthfront.com, methodology whitepapers, and investor relations information. The platform emphasizes 24/7 access to account management.

Source
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