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SenticMoney icon

SenticMoney

AI-powered personal finance app that stores all data locally on your device. Budget, track spending, scan receipts, and ask questions in plain English — without sending your bank data to the cloud.

SenticMoney screenshot 1

Cost / License

  • Freemium (Subscription)
  • Proprietary

Application type

Platforms

  • Windows
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Features

Properties

  1.  Privacy focused
  2.  AI-Powered

Features

  1.  Ad-free
  2.  Recurring Billing
  3.  No registration required
  4.  Goal Tracking
  5.  Dark Mode
  6.  Works Offline
  7.  Multiple Account support
  8.  Cash Flow Analysis
  9.  Import CSV Data
  10.  Desktop Application

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What is SenticMoney?

SenticMoney is a privacy-first personal finance app for Windows that keeps all your financial data stored locally on your computer — never in the cloud.

Unlike cloud-based budgeting apps that require you to share your bank credentials through third-party services like Plaid, SenticMoney stores everything on your device. No cloud sync, no data mining, no ads.

The app includes a built-in AI financial assistant powered by Gemini 3.1 Pro. Ask questions about your spending in plain English — like "how much did I spend on groceries this month?" — and get instant answers. You can also talk to it using voice input or attach bank statements and receipts for AI-powered analysis.

Key features include bank statement import (CSV, Excel, PDF) with automatic categorization, receipt scanning with full itemization, budget tracking with carry-forward, bills and subscription management, financial goal setting, and Runway — a paycheck-to-paycheck cash flow planner that tells you exactly how much you have to live on until your next payday.

SenticMoney supports any budgeting method — envelope, zero-based, 50/30/20, pay-yourself-first, or cash flow planning. One app, every method.

A generous free tier includes full budgeting, bills tracking, financial calculators, and more. The Standard plan is $39/year — compared to YNAB at $99/year or EveryDollar at $80/year.

Works offline. Runs on Windows 10/11. Access from any device on your home network.

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