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. Add transactions
Enter transactions manually on the Free tier, plus one bank statement import (CSV, Excel, OFX or QFX). Upgrade to Standard ($39/year) for unlimited imports and PDF statements.
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 3.1 Flash-Lite. 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 Standard
On the Standard tier ($39/year), import bank statements (CSV, Excel, OFX, QFX, PDF) with automatic categorization. AI learns your spending patterns.
Receipt Scanning Standard
Scan receipts from any device on your network (opt-in). AI extracts itemized data — merchant, date, line items, totals — so you can track exactly what you bought.
Personal Setup Coach
The AI knows 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 (switch on Home network access in your Profile first). No cloud sync needed.
Runway Cash Flow Standard
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 |
Ready to Take Control?
Download SenticMoney today. Free tier available with all core features.
Get Started Free