MoneyWiz 2026 Personal Finance

I’ve been using MoneyWiz for years. I recently upgraded to MoneyWiz 3 so I could use it on my new PC, but was upset that the newer version separated my pending and cleared transactions. I found that to be confusing and emailed them to see if there was any way to integrate the two. They responded almost immediately that I could not do so in that version. They suggested that I get MoneyWiz 21, which is an annual subscription, but would allow me to integrate the two categories. Unfortunately, MoneyWiz 21 is only available in IOS, but I can use it on my phone and tablet, just not on my PC, and for me, that was the best choice. When I let them know that I wanted to switch, they immediately refunded my money and I went ahead and got MoneyWiz 21. So, their customer service is outstanding. I have never been able to keep track of my funds using a check register and I have found MoneyWiz to be totally reliable and I depend on it. I don’t use any of the fancier features like syncing with my bank. I don’t want to know what my bank thinks I have; I need to work off of what I will have when all my bills and pending transactions are paid! But if you are financially savvy (I’m not) there are tons of features that can help you track investments etc.

Moving to this from a different application back in November. I do like the pricing and am getting comfortable with the flexibility but there is a steep learning curve I am dealing with. I am having some issues with Amex where transactions are not showing in MoneyWiz that are in my online transactions. Envelope budgeting is explained in the wiki but still is not as intuitive like I would have expected. Envelope budgeting seems like a basic budgeting approach but Money Wiz to me makes it much more complicated than it should be. Reporting is very confusing to me. I am looking for a report that would tell me if I missed assinging a category to a budget but I just can't find something that approaches taht and I'm not clever enoguh to figure it out. I would think this would be simple but it simply comes across more convoluted than I feel it should be. Why do I need to have reports shown to em if I will never use them? Its too much if I am using this for simple finances/. Granted I have investments and loans and what not but, I still feel MoneyWiz is tryng too hard to be this all powerful budgeting behemoth that is overly complicating simple home finances. Now my hope is that as I become more comfortable with the application my rating for this will grow becasue I do see the potential. Its just a matter of me getting around the curve. But as I negotiated this curve I just hope I don't run into issues I can't get around that will cause my opinion to be less than it is today.

Former iBank/Banktivity user of 10 years here. I recently had my banktivity software crash on me and become unusable and my software was outdated and obsolete. After reading all the poor reviews of Banktivities newest software I started looking for an alternative. At first glance of Moneywhiz 21 I was a little intimidated. It looked clean but complicated compared to what I was used to. Bankitivity used to pride itself on looking like Apples aesthetics. Thats what hooked me back in the day. I dowloaded the app and to my surprise it gives you the ability to try the app in demo mode before subscribing. I played with it for a week with a mockup of my account and budgets and man was I stoked about how simple and intuitive it is!! It also runs like a dream on my new iphone 13. Also when you open it on a Mac it looks identical to your phone. Layout, colors, etc. even the cloud sync is flawless. I remember Banktivity being so complicated and you never knew when a glitch would occur during sync and you'd have to wipe it out and start over. That happened several times back in the day. Get this app you wont regret it!!! Im actually excited about goals and budgets again! P.S. Im also a new Robinhood user and having your brokerage linked to Moneywhiz 21 is super slick. All of you finances all in one place.