Simple, Transparent Pricing
Start free, upgrade when you need AI-powered automation.
Free
- Manual transaction entry
- Dashboard & spending charts
- Budgeting with progress tracking
- Category & subcategory tracking
- Financial Goals & progress bars
- Bills & subscription tracking
- Income source tracking
- Financial Calendar (3-month view)
- Financial Health Score (0-100)
- Reminders with recurrence
- Tags for cross-category tracking
- Reconciliation
- Backup management
- Financial Calculators
- Light & dark themes
- Unlimited transactions
- Bank imports
- Receipt scanning
- AI assistant
- Runway cash flow planning
- Advanced reports & export
Standard
- Everything in Free, plus:
- Smart Bank imports - 15+ presets
CSV • Excel • OFX • QFX • PDF - Receipt scanning (AI Vision)
- SenticMoney Genie
- Runway cash flow planning
Living Money, $/Day, actual vs planned tracking - Auto-categorization
- Advanced reporting
- Export to Excel/PDF
- Email support
Compare Plans
| Feature | Free | Standard |
|---|---|---|
| Price | $0 | $39/year |
| Manual Entry & Budgeting | ||
| Financial Calculators | ||
| Dashboard & Charts | ||
| Financial Goals | ||
| Bills & Subscriptions | ||
| Financial Health Score | ||
| Financial Calendar | ||
| Bank Statement Import | ||
| Receipt Scanning (AI Vision) | ||
| SenticMoney Genie | ||
| Runway Cash Flow Planning | ||
| Auto-Categorization | ||
| Advanced Reports & Export |
Frequently Asked Questions
What budgeting methods does SenticMoney support?
SenticMoney supports zero-based budgeting, envelope budgeting, the 50/30/20 rule, pay-yourself-first, and our exclusive Runway cash flow method for paycheck-to-paycheck planning. You can also combine methods — for example, use envelope budgets for spending categories while tracking cash flow with Runway. The AI Genie can recommend the best approach based on your goals.
Can I try the app before subscribing?
Absolutely! The Free tier is fully functional for manual budgeting and never expires. Use it as long as you like, then upgrade when you want automation features like bank imports and AI.
What AI features are included?
Standard includes the SenticMoney Genie powered by Gemini 3.1 Pro. Ask questions like "How much did I spend on groceries?" or "Am I on track with my budget?" and get instant, intelligent answers based on your data. The AI knows what page you're on and can guide you through setup step by step.
Do I need my own API key?
No! Your subscription includes all AI features. We handle the AI infrastructure so you don't have to manage API keys or worry about usage costs.
What's your refund policy?
We offer a 30-day money-back guarantee on all subscriptions. If you're not satisfied, we'll refund your payment, no questions asked. See our Refund Policy for details.
Can I upgrade later?
Yes! You can upgrade from Free to Standard at any time. Just purchase a license key and activate it in the app.
What happens if I cancel?
Your subscription remains active until the end of your billing period. After that, your app reverts to Free tier. All your data stays on your computer—we never touch it.