Moneydance sync was never designed to work with a NAS setup. A number of users have reported it does not work and some their data has been corrupted. There is no fix other than to use Moneydance Sync as intended. Your data set MUST remain on your computers hard drive, a cloud server such a Dropbox, OneDrive, Google Drive, pCloud, Box.com etc must be used to sync between computers under the control of Moneydance sync.
Used correctly a transaction is entered into one computer and appears on all the other synced computers within 60 seconds.
I still think using a NAS as other users have found is at the heart of the problem.
Moneydance is continuously reading writing small file to sync.
Do a comparison, set up a free Dropbox account and install Dropbox Client then sync using Dropbox folder and see if use CPU issue goes away.
Some notes I made on syncing, you probably know a lot of this.
There are three method of syncing supported by Moneydance 2017/2019/2020.
Dropbox Folder, Dropbox Connection and Shared Folder.
The sync method Shared Folder can only be used with other computers, it will not sync to mobile devices (phone etc.).
With "Shared Folder" Moneydance syncs using a folder you create that is shared across computers. This could be a folder in a cloud server such as OneDrive, iCloud, Box.com. pCloud or Google Drive. I have tested all of these and they all work.
The following is an explanation regarding the other two syncing methods, Dropbox Folder and Dropbox Connection. However, if you are an Apple user and did not purchase direct, but purchased through Apple, due to one of the restrictions Apple impose on Moneydance, “Dropbox Folder” is not available. Note in both cases you need to have at least a free Dropbox account. With Dropbox Folder, the most flexible and easiest to set up of the two, you need to install Dropbox client on all your computers, but not no your mobile devices.
With Dropbox Connection Moneydance uses the Dropbox API to talk to the Dropbox service directly. So, you don't need to have Dropbox client actually installed on your computer, but you do need to be online when Moneydance is running in order for changes to be synced. Data will be synced once you go back on line when Moneydance is open. With Drobox Folder Moneydance will just read and write files to your Dropbox folder on your computer, which means that you need to have Dropbox client installed and running, but you don't need to be online in order for Moneydance to read and write the changes.” Syncing will occur when you go online, Moneydance does not need to be open.
You can also use either of these syncing methods Dropbox Folder and Dropbox Connection to sync with mobile device (phones etc.) that have the Moneydance APP installed. The Moneydance mobile APP has Dropbox API embedded.
When syncing you have one primary and as many secondary computers as you require. The data set is stored in the default location on the hard drive of your primary computer. See under HELP – SHOW DOCUMENT FOLDER. Your data set is a folder not a file. It contains other folders and files. The data set folder is named yourdatasetname.moneydance. DON’T STORE YOUR DATA SET IN DROPBOX or any other shared drive or cloud server as it could become corrupted due to how Moneydance reads/writes small files.
When you start the syncing process, FILE (MONEYDANCE on Mac) - SYNCING, a syncing folder “.moneydancesync” is automatically created in Dropbox or your Shared folder. If you have more than one data set you can set up syncing for each. The “.moneydancesync” folder in turn has an alphanumeric folder created, one for each data set you sync.
Your secondary computers, set up using FILE (MONEYDANCE on Mac) – NEW – OPEN SYNCED FILE, do not have the same data set as the primary computer. There data sets are automatically created from data synced via the folder “.moneydancsync” / alphanumeric folder, created automatically by the primary computer. See under HELP – SHOW DOCUMENT FOLDER. Although the data sets have the same name the main difference between a primary and secondary data set is you can’t change the sync method when running a secondary data set.
Once set up you can say add a transaction on one computer and within 60 seconds see it appear on your other computers or mobile device e.g. phone.
In normal operation Moneydance on your devices reads and writes to the folder “.moneydancsync” / alphanumeric in the Dropbox folder, creating small transaction files (mdtxn files) in such a way that there should never be any conflicts (at least not to any important files). Filenames are unique and the data is end to end encrypted using your sync key (“Encryption Passphrase”) only held on your devices, not in the cloud. All changes are recorded in this folder and if any of the changes cause conflicts then they are resolved by checking Unix Time stamp that are internal to the file (i.e. not the file modification date). At interval these transaction files are rolled up in to a truck file to reduce the number of small transaction files. The alphanumeric folder also contains other support folders and files.
All this is transparent to the user.
Set up syncing
1. First set up syncing on the computer you have chosen to be the primary computer, FILE (MONEYDANCE on Mac) – SYNCING and follow the on screen instructions.
2. Wait for the Dropbox icon to read up to date, then for the secondary computer Dropbox icon to do the same.
3. On all of your secondary computers set up syncing, FILE (MONEYDANCE on Mac) – NEW - OPEN SYNCED FILE and follow the on-screen instructions.