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MoneyWorks

Features
Ease of use
Ease of management
Quality of support
Affordability
Market presence
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Pricing from
NZ$27.50 per month
Free Trial
Free version
User corporate size
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User industry
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What is MoneyWorks

MoneyWorks is desktop-based accounting software for small to mid-sized organizations that need general ledger, invoicing, accounts payable/receivable, and reporting. It supports single-user and multi-user deployments, with options for on-premise use and networked access. The product is commonly used by businesses that prefer locally installed accounting with configurable forms and reports rather than a browser-only system.

pros

Strong desktop and on-prem control

MoneyWorks runs as a locally installed application, which can suit organizations that want accounting data stored on their own machines or servers. It supports multi-user operation over a local network, which can reduce reliance on continuous internet connectivity. This deployment model can be a practical fit for firms with strict internal IT policies or limited cloud adoption.

Configurable forms and reporting

The product includes tools to tailor invoices, statements, and other documents to match business requirements. Reporting is designed for operational and financial needs, with the ability to adjust layouts and outputs. This can reduce dependence on external report writers for common accounting deliverables.

Multi-currency and regional support

MoneyWorks supports multi-currency workflows, which is important for businesses that buy, sell, or bank in more than one currency. It is used in multiple regions, including Australia and New Zealand, and includes region-oriented accounting features. This makes it suitable for SMEs operating across borders or with foreign currency exposure.

cons

Less cloud-native workflow

MoneyWorks is primarily a desktop product, which can be less convenient for distributed teams that expect browser access from anywhere. Remote access typically requires additional IT setup (for example, remote desktop or VPN) rather than a purely web-based experience. Organizations prioritizing cloud-first administration and rapid remote rollout may find this limiting.

Ecosystem and integrations vary

Compared with larger accounting platforms, the breadth of prebuilt integrations and third-party app marketplace options can be more limited. Some connections may require manual export/import processes or custom work. This can increase effort when integrating with modern expense, AP automation, or analytics tools.

Not a full ERP suite

MoneyWorks focuses on core accounting rather than end-to-end ERP capabilities such as advanced inventory planning, manufacturing, or complex multi-entity consolidation at scale. As operational complexity grows, companies may need additional systems alongside it. This can introduce process fragmentation for organizations that want a single, unified suite.

Plan & Pricing

Plan Price Key features & notes
Cashbook NZ$0.00 per month (subscription) — Free forever Single-user cashbook: payments & receipts, general ledger, budgeting, reporting. Free subscription explicitly listed.
Express NZ$27.50 per month (subscription) / NZ$495 one-time perpetual Invoice & ledger system: accounts receivable/payable, product DB, job tracking. Perpetual retail price listed.
Gold NZ$42.90 per month (subscription) / NZ$985 one-time perpetual Desktop accounting with multi-currency, inventory, job costing, departmental accounting. Perpetual retail price listed.
Datacentre (Single-company file) NZ$60.50 per month (subscription) for single user; NZ$3,295 one-time perpetual (includes 3 concurrent users). Additional concurrent user: NZ$24.20 per month (subscription) or NZ$550 perpetual. Network/server for MoneyWorks Gold; centralised data, concurrent client licensing.
Datacentre (Multi-company file) NZ$75.90 per month (subscription) for single user; additional concurrent user NZ$24.20 per month (subscription). Multi-company Datacentre subscription pricing listed. Perpetual multi-company pricing not detailed on the pricing page (contact sales).

Seller details

Cognito Software Ltd.
Auckland, New Zealand
Private
https://moneyworks.com/

Tools by Cognito Software Ltd.

MoneyWorks

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