Cognito Money uses AI to understand your spending—without sending your data to the cloud.
Ask questions like "How much did I spend on groceries?" and get instant, intelligent answers. No manual reports needed.
Unlike Mint or YNAB, your financial data never leaves your device. No cloud storage, no data mining, no targeted ads.
Start free forever. Upgrade to Standard ($29/year) or Pro ($79/year) when you need AI and automation.
Import bank statements (CSV, Excel, OFX) with automatic AI categorization. Let the AI learn your spending patterns.
Scan receipts with AI vision. Automatically extracts itemized data so you can track exactly what you bought.
Pro users get advanced AI analysis. Ask complex questions like "Analyze my spending trends and suggest a savings plan."
| Feature | Cognito Money | Mint / YNAB |
|---|---|---|
| Data Privacy (Local Storage) | ✓ | ✗ |
| AI-Powered Insights | ✓ | ✗ |
| No API Keys Required | ✓ | ✓ |
| Receipt Itemization | ✓ | ✗ |
| No Ads | ✓ | ✗ |
| Works Offline | ✓ | ✗ |
Download Cognito Money today. Free edition available with all core budgeting features.
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