MoneyCoach

Free plan iPhoneMac

What MoneyCoach is

MoneyCoach is a personal finance app for recording spending, setting budgets, tracking bills, monitoring net worth, and pursuing money goals. Category Budgets support top-ups, transfers, rollover, and rebalancing, while report export lets users take information out of the app. Finances can be managed manually, including CSV transaction imports, or through account syncing. The app runs on iPhone, iPad, Mac, Apple Watch, and Apple Vision Pro, with optional encrypted iCloud sync, plus Apple Pay and Apple Card imports, Siri Shortcuts, widgets, Live Activities, App Intents, and Control Center shortcuts. Bank syncing connects to over 2,800 banks in 30 European countries, but is unavailable outside Europe and in the UK. Connections are read-only, cover up to 90 days depending on the bank, and require Premium. MoneyCoach offers a free plan, a free trial, and Lifetime Premium for 199.99 USD once.

Who it suits

MoneyCoach suits people tracking several accounts, including freelancers and small startups. It also fits users who prefer manual records or Apple-device integrations.

What it does well

Free plan available
CSV transaction imports
Budget rollover and rebalancing
Apps across Apple devices
Report export included

What to know first

Bank sync unavailable outside Europe and UK
Bank sync requires Premium
Read-only imports cover up to 90 days
Individual plan price varies by location

Plans

Plan	Billed and limits	Price
Free	Free app; core features	Free
Lifetime Premium	Lifetime Premium	$199.99, paid once
Individual	Access all Premium features for 1 year; Free Trial; price varies by location · Premium features	On request

As moneycoach.ai lists them, read 11 Oct 2026. The maker's own page has the final word.

Verdict

MoneyCoach covers budgeting, bills, net worth, manual records, and account connections across Apple devices. Bank-sync limits and Premium requirements are important when choosing how to manage financial data.

Facts from MoneyCoach's own pages

Account sync: both · apps.apple.com, 22 Sept 2026
AI data processing: Online Banking sends limited imported transaction information to the Google Gemini API for category suggestions, while MCP access is off unless the user enables it and connects a compatible client. · moneycoach.ai, 11 Oct 2026
Apple integrations: The app supports Apple Pay and Apple Card imports, Siri Shortcuts, App Intents, widgets, Live Activities, and Control Center shortcuts. · moneycoach.ai, 11 Oct 2026
Bank sync: MoneyCoach connects to over 2,800 banks in 30 European countries; bank syncing is unavailable outside Europe and in the UK. · moneycoach.ai, 11 Oct 2026
Bank sync limits: Bank sync is read-only, imports up to 90 days of history depending on the bank, and requires Premium; Premium supports up to four bank or financial account logins and Premium Max up to eight. · moneycoach.ai, 11 Oct 2026
Bill tracking: Yes · apps.apple.com, 22 Sept 2026
Budgeting tools: Yes · apps.apple.com, 22 Sept 2026
Budgets: Category Budgets support top-ups, transfers, rollover, and rebalancing. · moneycoach.ai, 11 Oct 2026
Devices: MoneyCoach has apps for iPhone, iPad, Mac, Apple Watch, and Apple Vision Pro, with optional iCloud sync. · moneycoach.ai, 11 Oct 2026
Free plan: Yes · apps.apple.com, 22 Sept 2026
Intended users: The company describes MoneyCoach as addressing freelancers, small startups, and people managing more than three financial accounts. · moneycoach.ai, 11 Oct 2026
Manual use: Users can track finances without linking a bank and can import transactions from CSV files. · moneycoach.ai, 11 Oct 2026
Mobile apps: ios · apps.apple.com, 22 Sept 2026
Net-worth tracking: Yes · apps.apple.com, 22 Sept 2026
Privacy: Manually entered financial data is primarily stored on the device; optional iCloud sync is encrypted, and the company says it does not sell financial data. · moneycoach.ai, 11 Oct 2026
Purpose: MoneyCoach is a personal finance app for tracking spending, planning budgets, managing bills, monitoring net worth, and working toward money goals. · moneycoach.ai, 11 Oct 2026
Report export: Yes · apps.apple.com, 22 Sept 2026
Security: The privacy policy states that data is encrypted during transfer and storage and that MoneyCoach uses multi-factor authentication for its systems. · moneycoach.ai, 11 Oct 2026
Support: App support is available by email and in-app through Settings → Support. · moneycoach.ai, 11 Oct 2026

Where MoneyCoach stands on Freedom251

Personal Finance Software#80 of 181