Features That Put You in Control

Powerful financial tracking. Zero compromises on privacy.

SenticMoney Genie

Powered by Google Gemini — choose 3.1 Pro (powerful) or 3.1 Flash-Lite (faster) Standard. The Genie has been trained on every feature in the app — every button, every form field, every workflow. It doesn't just know what page you're on — it can walk you through the exact steps to set up budgets, configure Runway periods, manage bills, and import bank statements.

  • "How does my spending compare to last month?" — instant financial analysis
  • "Walk me through setting up Runway" — guides you through every step and field
  • Knows every button and field — "Click Create Budget, pick a category, enable Carry Forward to roll unused amounts"
  • Compares months, detects anomalies, tracks budget pressure
  • Detects what you've set up and guides you through the rest — from first transaction to full Runway planning
  • Ask questions in English, Spanish, or French — type or speak, Genie responds in your language
  • Voice input — tap the microphone to speak your question instead of typing. Supports English, Spanish, and French.
  • Attach files — drag or clip CSV, Excel, PDF, or images into chat. Genie analyzes bank statements, compares data, and extracts receipt details from photos.
  • Clickable navigation — when Genie mentions a page or transaction, it's a live link. Click and you're there.
  • Money Flow Sankey chart — visualize exactly how income flows to each expense category Standard
  • Voice input on Notes fields — dictate notes hands-free on transactions and other forms in EN, ES, or FR.
AI Powered AI Chat Feature

Smart Budgeting

Budget your way — zero-based, envelope, 50/30/20, pay-yourself-first, or combine methods. SenticMoney adapts to how you think about money, with real-time tracking and visual progress bars that show exactly where you stand.

  • Unlimited budget categories (monthly, quarterly, yearly)
  • Carry Forward — unused budget rolls to next period
  • Visual progress indicators
  • AI can answer budget questions Standard
  • Overspending alerts
Budget Tracking

Financial Health Score

Get a comprehensive view of your financial wellness. Track key metrics like savings rate, debt-to-income ratio, and emergency fund status.

  • Overall health score
  • Key financial metrics
  • 6-month trend analysis
  • AI-powered recommendations Standard
Insights Financial Health Dashboard

Bill Tracking

Never miss a payment. Track all your recurring bills with clear status indicators showing what's coming up, overdue, or active.

  • Monthly, bi-weekly, quarterly, yearly tracking
  • Coming up / Overdue alerts
  • Total monthly equivalent view
  • Payment history
  • Private Information field — store account numbers locally, never sent to AI
Bill Tracking

Transaction Management

Import bank statements or add transactions manually. Powerful filtering and auto-categorization keeps everything organized.

  • Import CSV, Excel, OFX, QFX, PDF files - 15+ bank presets included Standard
  • Unified receipt & bill upload — one AI-powered pipeline
  • Auto-categorization Standard
  • Monthly income/expense summary
  • Advanced filtering & search
  • Split transactions across multiple budget categories
  • Find & remove duplicate transactions from imports
  • Year-end archiving with CSV & PDF export
  • Bulk actions — change category, type, or delete multiple transactions at once Standard
Import Transaction Management

Financial Goals

Set savings goals and track your progress. Visual progress bars and target dates keep you motivated and on track.

  • Unlimited savings goals
  • Progress tracking
  • Target dates
  • Visual progress bars
Financial Goals

AI-Powered Document Processing

Upload receipts, bills, and invoices and let Gemini 3.1 Pro or 3.1 Flash-Lite extract the details. More accurate on receipts and documents than the previous generation. One unified pipeline handles photos, PDFs, emails, and text files.

  • Receipts — snap a photo or upload PDF
  • Bills & invoices — extract line items automatically
  • Scan from your phone — open SenticMoney on any device on your WiFi, snap a photo, and AI extracts the details instantly.
  • AI bank format detection for unknown CSV layouts
  • PDF Vision fallback for complex statements
  • Caching prevents duplicate API calls
  • Learned Bank Profiles — AI remembers your bank's format for future imports
  • Bill line-item querying — ask the Genie to compare utility costs across months
Standard Feature Predictive AI Insights

Runway Cash Flow Planning

Know exactly how much you have to live on until your next paycheck. Runway is SenticMoney's exclusive cash flow method — and it works alongside any budgeting approach you choose. Plan payday-to-payday and never wonder where your money went.

  • "Living Money" shows true spending cushion
  • $/Day metric for daily budget awareness
  • Auto-populate from bills, income & budgets
  • Generate multiple future periods
  • Credit card tracking with utilization monitoring — color-coded thresholds warn when balances climb
  • Actual vs planned budget comparison
  • Living Money trend chart across periods
Standard Feature Runway Cash Flow Planning

Multi-Device Local Access

Install on one computer, then access from any device on your home network — iPhone, iPad, Android, any browser. No cloud sync needed. Great for couples and families.

  • Access from any device on your network
  • Works on Mac, iPhone, iPad, Android via browser
  • No cloud sync — stays fully local
  • Perfect for couples & families
  • AES-256 database encryption — your financial data is encrypted at rest

And So Much More...

Payment Calendar

Payment Calendar

Visual calendar showing all upcoming bills and income payments at a glance.

Financial Reports

Financial Reports

Generate income statements, balance sheets, cash flow reports, and tax summaries with full export!

Category Management

Custom Categories

Organize transactions with customizable categories and subcategories, colors, and icons.

Spending Analysis

Spending Analysis

Visual pie charts and month-over-month trends to understand your spending.

Financial Calculators

Financial Calculators Free

Loan payoff, credit card payoff, compound interest, and debt snowball vs avalanche calculators—all free, no subscription required.

Multi-Currency Support

Choose between USD ($), EUR (€), or GBP (£). All dashboards, reports, and transactions display your preferred currency symbol.

Mobile Receipt Capture

Snap a receipt on your phone — SenticMoney extracts the amount, date, and category and drops it in your Receipts & Bills inbox. Works on home WiFi and away from home: when you're on cellular or an unfamiliar network, captures queue securely on our relay and sync the next time you open the app. Tap Sync Mobile to pull pending captures on demand. Yellow highlighting on the inbox shows which items still need your review.

Ready to Take Control of Your Finances?

Download SenticMoney today and start managing your money with complete privacy.

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