Introducing MoneyWise — Personal Finance, Finally Simple
Tech stack
Managing personal finances shouldn’t feel like a second job. Yet most of us are stuck choosing between heavyweight apps that demand a monthly subscription before you’ve even entered your first transaction, or spreadsheets that require a degree in accounting to maintain.
MoneyWise is different. It was built around one idea: your finances should be visible, understandable, and in your control — without the friction.
What MoneyWise does
Know exactly where you stand
The moment you open MoneyWise, you see your complete financial picture. Total balance across all your wallets, how much you’ve earned and spent this month, and any debts that need your attention — all on one screen, no digging required.
Track every transaction, without limits
Add income or expenses in under five seconds using the built-in calculator keyboard. Choose a category, pick a wallet, add a note if you want — and you’re done. MoneyWise never locks you out of adding transactions, no matter which plan you’re on.
Never forget who owes you (or who you owe)
This is the feature that makes MoneyWise genuinely useful in everyday Vietnamese life. The debt tracker lets you record loans — both money you’ve lent and money you’ve borrowed — with due dates, partial payments, and automatic reminders as the deadline approaches.
When it’s time to ask for repayment, MoneyWise generates a friendly, personalized reminder message you can send over Zalo, Messenger, or SMS in one tap.
Understand your spending with clear charts
A color-coded donut chart breaks down your expenses by category each month. A bar chart shows how your income and spending compare over time. These aren’t decorative — they’re the fastest way to notice that your food delivery habit quietly became your biggest monthly expense.
Your data, your device
MoneyWise works fully offline. Your financial data is stored locally on your phone and never sent to a server without your explicit permission. Cloud backup is available for Pro users, but it is always opt-in.
Free features, no tricks
MoneyWise is free to download and free to use for the core features that matter most:
- Unlimited transaction logging (income and expenses)
- Up to 2 wallets (cash and bank account)
- Debt tracking (up to 15 active records)
- Monthly spending reports with charts
- Local backup and restore
- PIN and biometric lock
No transaction limits. No “7-day trial.” No data held hostage.
MoneyWise Pro
For users who want more depth, MoneyWise Pro unlocks:
- Unlimited wallets — add credit cards, savings accounts, investment accounts
- Receipt photo attachments (up to 5 per transaction)
- Full transaction history in reports (not just 3 months)
- Export to PDF and Excel — great for freelancers and small business owners
- Automatic interest calculation on loans
- Unlimited recurring expense reminders
- Budget planning with rollover and templates
- Automatic cloud backup (daily)
- No ads
Pro is available as a monthly or annual subscription. You can also watch a short ad to unlock Pro features for 24 hours — no commitment required.
Built for Vietnam, works everywhere
MoneyWise is designed with Vietnamese users in mind. The default currency is VND, the preset bank list covers 40+ Vietnamese banks with logos, and the debt management feature reflects how money actually moves between people in Vietnamese daily life.
That said, the app supports multiple currencies and works just as well for users anywhere.
Coming in future updates
- Auto-import from bank notifications (Android) — MoneyWise will detect spending alerts from your bank app and offer to log the transaction for you automatically, with one tap to confirm.
- Cloud sync across devices — keep your data consistent across your phone and tablet.
- Savings goals — set a target, track your progress, and see exactly how much you need to set aside each month.
- Budget planner — build a monthly budget by category and get notified before you overspend.
Download MoneyWise
MoneyWise is available for iOS and Android.
Questions or feedback? Reach us at support@moneywise.app
MoneyWise is built by an independent developer. Every review, every piece of feedback, and every user genuinely matters. If MoneyWise has been useful to you, consider leaving a rating on the App Store or Google Play — it helps more than you might think.