No. 53of 181 ·Personal Finance Software

MoneyCoach

Mac · iPhone

Freedom report

Two barsScore 7.0

Free tierA free tier is on its own pricing page
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

MoneyCoach is ranked #53 of 181 in personal finance software on Freedom251. It runs on iOS, macOS. There is a free plan. A free trial is offered.

MoneyCoach plans and pricing

All plans

Free Free Free app; core features moneycoach.ai · 11 Oct 2026

Lifetime Premium $199.99 once Lifetime Premium apps.apple.com · 11 Oct 2026

Individual Access all Premium features for 1 year; Free Trial; price varies by location Premium features apps.apple.com · 11 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: both
Report export: Yes
Mobile apps: ios

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The record

Purpose: MoneyCoach is a personal finance app for tracking spending, planning budgets, managing bills, monitoring net worth, and working toward money goals.
Budgets: Category Budgets support top-ups, transfers, rollover, and rebalancing.
Apple integrations: The app supports Apple Pay and Apple Card imports, Siri Shortcuts, App Intents, widgets, Live Activities, and Control Center shortcuts.
Devices: MoneyCoach has apps for iPhone, iPad, Mac, Apple Watch, and Apple Vision Pro, with optional iCloud sync.
Bank sync: MoneyCoach connects to over 2,800 banks in 30 European countries; bank syncing is unavailable outside Europe and in the UK.
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.
Manual use: Users can track finances without linking a bank and can import transactions from CSV files.
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.
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.
Security: The privacy policy states that data is encrypted during transfer and storage and that MoneyCoach uses multi-factor authentication for its systems.
Support: App support is available by email and in-app through Settings → Support.
Intended users: The company describes MoneyCoach as addressing freelancers, small startups, and people managing more than three financial accounts.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#53 of 181

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Sources

moneycoach.ai· checked 11 Oct 2026
moneycoach.ai/features· checked 11 Oct 2026
moneycoach.ai/online-banking· checked 11 Oct 2026
moneycoach.ai/privacy-policy· checked 11 Oct 2026
moneycoach.ai/about-us· checked 11 Oct 2026
apps.apple.com/us/app/moneycoach-ai-budget-planner/id9· checked 11 Oct 2026