Explore SenticMoney
AI-powered personal finance that lives on your computer. Click any category to explore.
Privacy-First
Local-First
AI-Powered
Core Philosophy
4 items
100% Local Storage
Your financial data never leaves your computer. No cloud databases, no third-party servers.
Data Privacy
Bank account numbers, passwords, and sensitive details are stored in encrypted local fields — never shared with AI.
No Cloud Required
No account creation, no subscription to a cloud service. Install and own it.
Offline Functionality
Core features work without internet. AI features use a brief summary when online — never raw data.
SenticMoney Genie
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Powered by Gemini 3.1 Pro
Advanced AI with multi-provider fallback ensures the Genie is always available to help.
Natural Language Questions
Ask “How much did I spend on groceries?” or “Am I over budget?” in plain English.
Personal Setup Coach
Walks you through setup step by step — income, categories, budgets, bills — tailored to your data.
Automatic Categorization
Maps bank descriptions to your categories. Learns your patterns and saves them for future imports.
AI Receipt & Bill Scanning
Attach receipts or bills to the chat. AI extracts line items, totals, and vendor info automatically.
Budgeting & Analysis
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Multiple Methods
Zero-based, 50/30/20, or custom — set budgets monthly, quarterly, or yearly with carry-forward support.
Runway Cash Flow Tracking
Plan paycheck to paycheck. See exactly what’s coming in, going out, and what’s left — period by period.
Visual Budgets
Color-coded progress bars, trend arrows, and charts show where you stand at a glance.
Financial Health Score
A 0–100 score across four dimensions: income stability, expense management, savings rate, and emergency preparedness.
Living Money & $/Day
Your real spending power: balance + income − bills − budgets − reserves, broken into a daily rate.
Data Management
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Import CSV, XLSX, OFX & PDF
Import bank statements in any format. AI-powered column detection when your bank’s layout is unfamiliar.
Transaction Management
Split transactions across categories, tag for filtering, attach receipts, and track running balances.
Multi-Device Local Access
Access from any device on your WiFi — phone, tablet, or another PC. No cloud needed.
Manual Entry
Quick-add transactions by hand. Create category mappings on the fly for future imports.
Pricing & Availability
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Free Forever Tier
Core budgeting, transaction tracking, and financial calculators — free with no time limit.
Standard Plan — $39/year
AI Genie, bank statement imports, receipt scanning, Runway, and all premium features.
Windows PC Installation
Download and install in minutes. Runs as a local server on your machine. Mac coming soon.
No Ads. Ever.
Your financial data is never monetized. No tracking, no ads, no data brokers.
Free Financial Tools
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Loan Payoff Calculator
See how extra payments shorten your loan and save on interest — mortgage, auto, or student loans.
Compound Interest Calculator
Project savings growth over time with monthly contributions and compound interest.
Snowball vs Avalanche Planner
Compare debt payoff strategies side-by-side. See which saves more interest and which builds momentum.