Simple, transparent pricing
Free forever, or $39 a year. Not $10 a month.
Free
- Unlimited transactions, budgets, goals and bills
- One bank statement import (CSV, Excel, OFX or QFX)
- Financial Health Score and four calculators
- The whole app on your phone, over your own home network
- Several profiles on one install
- Backup and restore, with a safety copy before each restore
Standard
- Everything in Free, plus:
- The Genie, the AI coach that knows every screen. Ask in your own language.
- Receipt scanning that reads the line items
- Snap a receipt from your phone, at home or away from home
- Unlimited bank imports including PDF, with 25+ bank presets
- Runway, payday-to-payday cash flow planning
- Split one purchase across several budgets
Standard unlocks with a licence key inside the app. 30-day money-back guarantee.
What the others charge
| SenticMoney | EveryDollar | Copilot | Monarch | YNAB |
|---|---|---|---|---|
| $39 · Free tier | $79.99 · Free tier | $95 | $99.99 | $109 |
Competitor prices checked 11 Sep 2026 on each company's pricing page, annual plans.
Why $39 a year and not $10 a month?
Because we do not have a server full of your data to pay for. Your finances live on your computer. We are not storing them, syncing them, or selling them. There are no ads, and there is nothing to mine. You pay for the AI features and the updates. That is it.
The Free tier is free because it costs us nothing to run. It never expires.
Compare Plans
Everything else is in both tiers: budgets, goals, bills, the financial calendar, the health score, the calculators, the income statement, reconciliation, tags, backups, several profiles, the app on your phone at home, and email support.
| Feature | Free | Standard |
|---|---|---|
| Price | $0 | $39 a year |
| Bank statement imports | One (CSV, Excel, OFX, QFX) | Unlimited, plus PDF, 25+ presets |
| The Genie AI coach | Yes, 50 chats a day | |
| Ask the Genie in your own language | ||
| Talk to the Genie instead of typing | Yes (English) | |
| Attach a file to a Genie question | ||
| Receipt scanning with line items | Yes, up to 100 a month | |
| Receipt capture from your phone | Yes, at home or away | |
| Split one purchase across budgets | ||
| Runway cash flow planning | ||
| Money Flow Sankey chart | ||
| Auto-categorisation rules | ||
| Accounting dashboard and Excel export |
Frequently Asked Questions
How much does SenticMoney cost?
The Free tier is $0 with no time limit. Standard is $39 a year. There is a 30-day money-back guarantee.
Is SenticMoney cheaper than YNAB?
Yes. Standard is $39 a year against YNAB at $109, Monarch at $99.99, Copilot at $95 and EveryDollar at $79.99. SenticMoney and EveryDollar both have a free tier; YNAB, Monarch and Copilot do not. Prices checked 11 Sep 2026.
What budgeting methods does it support?
Zero-based, envelope, 50/30/20, pay-yourself-first, and Runway cash flow planning for people paid on a schedule. You can mix them. Ask the Genie which one suits you and it will walk you through the setup.
Can I try it before paying?
Yes. The Free tier never expires and needs no account or credit card. It covers manual entry, unlimited budgets and categories, and one bank statement import. Upgrade when you want the Genie, receipt scanning, unlimited imports or Runway.
What language can I ask the Genie in?
Whichever one you type in. Ask in Spanish, French or German and it answers in that language, including the step-by-step instructions. The app's own screens and buttons are in English.
Are there any limits on Standard?
Two. The Genie answers up to 50 questions a day. Receipt scanning reads up to 100 receipts a month. Nothing else is metered.
Where does my data go?
Your transactions, budgets and accounts stay in one file on your computer. When you ask the Genie, a snapshot of your finances with a limited set of recent, large and tagged transactions goes to our proxy and then to the AI (Google Gemini, or a backup when Gemini is down) to answer that one question, and is discarded. When you ask the AI to read an import's format, the first ten rows of that file go to our proxy, and are discarded. When you scan, the receipt image or statement page goes to our proxy to be read, and is discarded. Free or Standard, the rule is the same: your financial data leaves your computer only when you use an AI feature or phone capture. See the privacy policy for the detail.
Do I need my own API key?
No. The AI is included. We run the infrastructure so you never manage keys or usage costs.
What is the refund policy?
A 30-day money-back guarantee on Standard. See our Refund Policy.
What happens if I stop paying?
Your licence runs to the end of its year. After that the app returns to the Free tier and keeps working. Your data is on your computer either way, so nothing is lost or locked.