The AI budget coach that runs on your computer, not theirs.
The Genie walks you through every screen. Your transactions stay in one file on your own machine.
Windows and Mac. No account. No credit card.
Where your data goes. All of it.
No fine print. Three places your numbers can be, and when.
Stays on your computer
Every transaction, budget, and account. One database file on your hard drive. No account with us. No Plaid. No bank login.
Sent when you ask the Genie
An aggregated summary of your finances goes to our proxy, then to Google Gemini, to answer that one question. Not your transaction list. Processed and discarded. Nothing stored.
Sent when you scan
A receipt image or a statement PDF page you choose to scan goes to our proxy for reading, then is discarded. Snap a receipt away from home and it waits on our relay until your desktop collects it, then it is deleted.
The Genie knows the app.
Ask "How do I set up envelope budgeting?" and it tells you which page, which button, which field. Not a help article. A guide that knows where you are. It also spots a mis-filed transaction and offers to fix it. One click. Ten seconds to undo.
Budget your way. Or five ways.
Zero-based, envelope, 50/30/20, pay-yourself-first, or Runway. Switch methods or mix them. The app does not lock you into one.
Runway: how much until payday.
See what you have to live on until the next paycheck, as a dollar figure and a dollars-per-day figure. Payday to payday, not month to month.
Your phone, without a cloud in the middle.
Snap a receipt anywhere and the app itemizes it. Split it across two budgets and each line lands where it belongs. At home, scan a code and the whole app opens on your phone. No sync service. No account. The only thing that ever moves is the receipt you chose to send.
In their own words.
I came to SenticMoney after using an older version of Simply Accounting during my bookkeeping years. I wanted something much simpler, but I still wanted the familiar basics: separate accounts, clear categories, transaction imports, useful totals. SenticMoney gives me exactly that. It is simple enough for everyday personal use, yet still has the bookkeeping-style information I value, which is what keeps me using it.Vicki B.
SenticMoney provides a level of clarity regarding my overall cash flow that I haven't found in other tools. The Runway feature is particularly valuable for planning, and I appreciate that the team is actively listening to user feedback to improve the import and account management workflows.Martin F.
How it compares.
| SenticMoney | Monarch | Copilot | YNAB | EveryDollar | |
|---|---|---|---|---|---|
| Price per year | $39 · Free tier | $99.99 | $95 | $109 | $79.99 · Free tier |
| Your data stored on | Your computer | Their servers | Their servers | Their servers | Their servers |
| Account required | No | Yes | Yes | Yes | Yes |
| Bank login (Plaid or similar) | Never | Optional | Only path documented | Optional | Yes (Premium) |
| Receipt scanning with line items | Yes | Yes | Not documented | No (third-party apps only) | No |
Competitor prices checked 11 Sep 2026 on each company's pricing page, annual plans. Feature cells checked 12 Sep 2026 on each company's help centre.
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.