Features That Put You in Control

Powerful financial tracking. Zero compromises on privacy.

SenticMoney Genie

Powered by Google's Gemini 3.1 Pro 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

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

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

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

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

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

AI-Powered Document Processing

Upload receipts, bills, and invoices and let Gemini 3.1 Pro 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
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 Windows PC, then access from any device on your home network — Mac, iPhone, iPad, Android, any browser. No cloud sync needed. Great for couples and families.