Your Money. Your Device. Your Privacy.
Zero-based, envelope, 50/30/20, or your own hybrid — budget your way with AI guidance from the SenticMoney Genie. All your data stays on your device.
See SenticMoney in Action
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Watch SenticMoney in Action
An 8-minute walkthrough of everything SenticMoney can do
How It Works
1. Download
Install SenticMoney on your Windows PC or Mac. No account required.
2. Import
Import bank statements (CSV/Excel) or add transactions manually.
3. Ask Questions
"How does this month compare to last?" The AI sees your complete financial picture and answers instantly.
Why Choose SenticMoney?
AI That Understands You
Powered by Google Gemini — choose 3.1 Pro or 2.5 Flash. The Genie knows every feature inside and out — ask it to walk you through setting up budgets, configuring Runway periods, or importing bank statements, and it guides you through the exact buttons and fields.
Your Data Stays Yours
Unlike Mint or YNAB, your financial data never leaves your device. No cloud storage, no data mining, no targeted ads.
Affordable Plans
Free tier available with core features. The Standard plan starts at just $39/year. No expensive monthly subscriptions.
Smart Import and Categorization
Import bank statements (CSV, XLSX, OFX, QFX, PDF) with automatic categorization. AI learns your spending patterns.
Receipt Scanning
Scan receipts from any device on your network. AI extracts itemized data — merchant, date, line items, totals — so you can track exactly what you bought.
Personal Setup Coach
The AI is trained on every feature — every button, form field, and workflow. Ask "How do I set up Carry Forward?" or "What should I do next?" and it teaches you step by step, like having the developer sitting next to you.
Free Financial Calculators
Plan your debt payoff and savings goals. Loan payoff, credit card payoff, compound interest, and snowball vs avalanche—all free.
Multi-Device Access
Install on one PC, access from any device on your home network — iPhone, iPad, Mac, Android. No cloud sync needed.
Runway Cash Flow
Know exactly how much you have to live on until your next paycheck. Plan payday-to-payday with Living Money and $/Day metrics.
How We Compare
| Feature | SenticMoney | Mint / YNAB |
|---|---|---|
| Data Privacy (Local Storage) | ||
| AI-Powered Insights | ||
| Multiple Budgeting Methods | ||
| Affordable Pricing | ||
| Receipt Itemization | ||
| No Ads | ||
| Works Offline |
What Users Are Saying
Real feedback from privacy-conscious users
"Finally, a finance app that doesn't sell my data! The AI chat is incredible—I just ask questions and get real answers about my spending."
"I switched from Mint after they announced shutdown. SenticMoney is better anyway—my data stays on MY computer, and the AI features are more powerful."
"The receipt scanning is amazing. Take a photo, and it extracts everything—itemized! Plus knowing my financial data isn't being mined for ads is priceless."
"Love that it works offline. I travel internationally and can still track expenses without internet. When I get home, everything syncs from my local database."
"Best $39 I've spent. The AI understands natural language perfectly. 'How much did I spend on coffee last month?' Boom—instant answer. No clicking through menus."
"After years of YNAB, I was skeptical. But SenticMoney's privacy-first approach won me over. Plus the AI insights are way beyond anything cloud apps offer."
Ready to Take Control?
Download SenticMoney today. Free tier available with all core features.
Get Started Free