MoneyWiz
MoneyWiz is a bootstrapped, cross-platform personal finance app for iOS, macOS, and Android that connects to 40,000+ banks across 50+ countries and offers subscriptions ($29.99-$59.99/year) to individual consumers and self-employed users for budgeting, bill tracking, and financial reporting.
- Company typePrivate
- Founded2010
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What MoneyWiz does
MoneyWiz is a personal finance management application developed and operated by SILVERWIZ LLC, a privately held, bootstrapped company founded in 2010 and headquartered in California. The product is sold as a cross-platform consumer and prosumer subscription app for iOS, macOS, and Android, serving individual consumers managing personal finances as well as self-employed users and freelancers using it for cash-basis bookkeeping across mobile and desktop devices.
The core product is the MoneyWiz 2025 application, which connects to more than 40,000 banks in 50+ countries through four third-party data providers (Plaid, Yodlee, Salt Edge, and one additional), automatically categorizing transactions, detecting transfers and refunds, and reconciling accounts. Cross-device synchronization is handled by SYNCbits, a proprietary cloud service using 256-bit military-grade encryption with offline-first behavior and support for up to 15 devices. The app provides 30+ financial reports (Net Worth, Cashflow, Profit & Loss, Category spending over time), customizable multi-level categories, income- and expense-based budgets with rebalancing, and a bills calendar with future-date forecasting. The company also operates MileWiz, a related mileage-tracking product that shares the SYNCbits platform, and has integrated BillShark (ApexEdge) for in-app bill negotiation.
MoneyWiz distributes exclusively through digital channels: the Apple App Store, Mac App Store, Google Play Store, and a direct-to-consumer website via FastSpring, with no sales team, no enterprise contracts, and no resellers. Monetization is a two-tier annual or monthly subscription: a Standard tier at $29.99/year offering cloud sync and standard support, and a Premium tier at $59.99/year or $5.99/month that adds bank sync and priority support. Customer acquisition is product-led, with a 1-week free trial, on-device demo data, import from CSV/QIF/OFX/MT940 competitor formats, and a transparent public roadmap. The company states GDPR and CCPA compliance, and a 15-year operating history with 4.7/5 average rating from 4,000+ reviews across platforms.
MoneyWiz firmographics
Firmographics- Name
- MoneyWiz
- Legal name
- SILVERWIZ LLC
- Website
- https://wiz.money
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- MoneyWiz is a bootstrapped, cross-platform personal finance app for iOS, macOS, and Android that connects to 40,000+ banks across 50+ countries and offers subscriptions ($29.99-$59.99/year) to individual consumers and self-employed users for budgeting, bill tracking, and financial reporting.
- Ownership category
- akta.pro rank
MoneyWiz industry classification
Industry- Product category
- Personal Finance Software
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
- akta.pro secondary industries
- Expense Tracking & Financial Dashboards (FSAGADAB), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)
Keywords
Where MoneyWiz is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MoneyWiz business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales
Revenue model
- Subscription Revenue - Standard Tier: Annual subscription model providing cloud sync between devices, free updates with new features, and email/chat support. Priced at $29.99/year.
- Subscription Revenue - Premium Tier: Annual or monthly subscription with full feature access including bank sync with 40,000+ banks, cloud sync, and priority email/chat support. Priced at $59.99/year or $5.99/month. Promotion offers 2 months free on annual plans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard - Cloud sync and basic support |
| Subscription | Annual | Premium - Bank sync and priority support |
| Subscription | Monthly | Premium - Monthly billing option |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
MoneyWiz product offering
Product offeringCore offering
MoneyWiz is a cross-platform personal finance management application (iOS, macOS, Android) that aggregates accounts from over 40,000 banks in 50+ countries via four data providers, automatically categorizes transactions, and synchronizes data across up to 15 devices using its proprietary SYNCbits cloud service. The product delivers budgeting, bill tracking with calendar forecast, 30+ financial reports, and customizable multi-level categories aimed at individual consumers and self-employed users for personal finance and small-business bookkeeping.
Product overview
MoneyWiz is a personal accounting software company offering a unified product suite centered on MoneyWiz 2025 (their flagship personal finance application for iOS and macOS) and the SYNCbits cloud synchronization service. The core MoneyWiz 2025 product handles bank connections, budgeting, bill tracking, and financial reporting, while SYNCbits provides encrypted cloud sync across devices. The company operates on a subscription model with Standard (cloud sync only at $29.99/year) and Premium (bank sync + cloud sync at $59.99/year or $5.99/month) tiers.
Differentiator
Problem solved
Functional benefit
Brands
- SYNCbits: Proprietary cloud sync service that enables data synchronization across devices with 256-bit military-grade encryption. Used internally by MoneyWiz for cross-device data sync functionality.
- MileWiz
Products and services
- MoneyWiz 2025 Cross-platform personal finance management application for iOS, macOS, and Android. Connects to 40,000+ banks in 50+ countries via four data providers, synchronizes across up to 15 devices using the SYNCbits cloud service, offers budgeting, bill tracking with calendar forecast, and 30+ financial reports (Net Worth, Cashflow, Profit & Loss, etc.) for individual consumers and self-employed users.
- SYNCbits Proprietary cloud synchronization service that enables offline-first data sync across up to 15 devices with up to two SYNCbits accounts, using 256-bit military-grade encryption for both data transfer and storage. Powers multi-device synchronization for the MoneyWiz ecosystem.
Quantifiable outcome
- Connectivity to 40,000+ banks across 50+ countries
- +3 more outcomes
Companies that use MoneyWiz
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
MoneyWiz technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability1 record
Feature7 records
MoneyWiz partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- PlaidcoreMoneyWiz uses Plaid as one of the providers for the online banking feature. MoneyWiz does not store online banking credentials at any time. Plaid handles credential authentication and bank connection establishment.
- YodleecoreMoneyWiz uses Yodlee as one of the providers for the online banking feature. MoneyWiz does not store online banking credentials. Yodlee provides bank data aggregation services.
- Salt EdgecoreMoneyWiz uses SaltEdge as one of the providers for the online banking feature. SaltEdge uses asymmetric cryptography with private keys on different servers and is PCI DSS compliant. For PSD2/Open Banking-enabled banks, MoneyWiz uses the user's SYNCbits email to create a SaltEdge Dashboard account for consent management.
- FastSpringcoreFastSpring is MoneyWiz's billing partner for website purchases. FastSpring helps manage and process payments made through the website (outside of Apple and Google app stores).
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
MoneyWiz competitors and assessment
Company assessmentPeers
Direct peers
- YNAB (You Need A Budget): Subscription-based personal budgeting app focused on zero-based budgeting, manual transaction entry, and multi-platform support. Most directly comparable to MoneyWiz on monetization model (annual subscription) and budgeting-first positioning.
- Rocket Money: Subscription PFM app offering bank sync, budgeting, and bill negotiation; competes head-to-head with MoneyWiz on bank connectivity, subscription tracking, and the self-employed/pro-sumer segment.
- Monarch Money: Modern subscription-based PFM platform founded by ex-Mint team; overlaps with MoneyWiz on bank sync, multi-device access, customizable categories, and net worth tracking across consumer/SMB segments.
- Copilot Money: iOS-first personal finance app with bank connectivity, customizable categories, and investment tracking; targets the same Apple-ecosystem pro-user that MoneyWiz serves, with comparable subscription pricing.
- PocketGuard: Consumer PFM app with bank sync, budgeting, and bill tracking; comparable feature set to MoneyWiz's Standard/Premium tiers and overlapping target market of individual consumers seeking consolidated financial visibility.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
MoneyWiz social profiles
Digital presenceMoneyWiz compliance and trust
Trust signalCompliance3 records
MoneyWiz financial estimates
Financial estimateRevenue estimate
Valuation estimate
MoneyWiz leadership team
Management profileNumber of profiles
Profiles1 record
MoneyWiz funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MoneyWiz M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MoneyWiz
What does MoneyWiz do?
MoneyWiz is a cross-platform personal finance management application (iOS, macOS, Android) that aggregates accounts from over 40,000 banks in 50+ countries via four data providers, automatically categorizes transactions, and synchronizes data across up to 15 devices using its proprietary SYNCbits cloud service. The product delivers budgeting, bill tracking with calendar forecast, 30+ financial reports, and customizable multi-level categories aimed at individual consumers and self-employed users for personal finance and small-business bookkeeping.
Is MoneyWiz a public or private company?
MoneyWiz is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MoneyWiz founded?
MoneyWiz was founded in 2010. It employs 1 to 10 people.
Where is MoneyWiz based?
MoneyWiz is headquartered in San Francisco, United States, in the North America region.
How does MoneyWiz make money?
Two revenue lines are on record. Subscription Revenue - Standard Tier is the primary driver. The others are subscription Revenue - Premium Tier.
Who are MoneyWiz's main competitors?
Empower (Personal Capital) is listed as a peer. Direct peers are YNAB (You Need A Budget), Rocket Money, Monarch Money, Copilot Money and PocketGuard.
Does MoneyWiz have an API?
No public API is recorded for MoneyWiz.
What industry is MoneyWiz in?
MoneyWiz's product category is Personal Finance Software. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management, with a secondary code of FSAGADAB, Expense Tracking & Financial Dashboards.