Features That Put You in Control

Powerful financial tracking. Zero compromises on privacy.

AI-Powered Chat

Ask questions about your finances in plain English. Get instant, intelligent answers without digging through reports or spreadsheets.

  • "How much did I spend on groceries?"
  • "What's my total income this month?"
  • "Show me my biggest expenses"
  • "What is the 50/30/20 rule?"
  • Instant answers in second
AI Powered AI Chat Feature

Smart Budgeting

Create category-based budgets and track your progress in real-time. Visual progress bars show exactly where you stand.

  • Unlimited budget categories
  • Visual progress indicators
  • AI can answer budget questions
  • Overspending alerts
Budget Tracking

Financial Health Score

Get a comprehensive view of your financial wellness. Track key metrics like savings rate, debt-to-income ratio, and emergency fund status.

  • Overall health score
  • Key financial metrics
  • 6-month trend analysis
  • AI-powered recommendations
Insights Financial Health Dashboard

Bill Tracking

Never miss a payment. Track all your recurring bills with clear status indicators showing what's coming up, overdue, or active.

  • Monthly, bi-weekly, quarterly, yearly tracking
  • Coming up / Overdue alerts
  • Total monthly equivalent view
  • Payment history
Bill Tracking

Transaction Management

Import bank statements or add transactions manually. Powerful filtering and auto-categorization keeps everything organized.

  • Import CSV, Excel, OFX, QFX files - 15+ bank presets included
  • Auto-categorization
  • Monthly income/expense summary
  • Advanced filtering & search
Import Transaction Management

Financial Goals

Set savings goals and track your progress. Visual progress bars and target dates keep you motivated and on track.

  • Unlimited savings goals
  • Progress tracking
  • Target dates
  • Visual progress bars
Financial Goals

Predictive AI Insights

Go beyond basic tracking with deep AI analysis. Get cash flow forecasts, expense predictions, and actionable recommendations.

  • Cash flow forecasting
  • Expense predictions
  • Subscription inflation warnings
  • Actionable recommendations
  • Advanced Analysis Options
Standard Feature Predictive AI Insights

And So Much More...

Payment Calendar

Payment Calendar

Visual calendar showing all upcoming bills and income payments at a glance.

Financial Reports

Financial Reports

Generate income statements, balance sheets, cash flow reports, and tax summaries with full export!

Category Management

Custom Categories

Organize transactions with customizable categories and subcategories, colors, and icons.

Spending Analysis

Spending Analysis

Visual pie charts and month-over-month trends to understand your spending.

Ready to Take Control of Your Finances?

Download Cognito Money today and start managing your money with complete privacy.

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