Your Money. Your Device. Your Privacy.
Cognito Money uses AI to understand your spending--without sending your data to the cloud. Ask questions in plain English, track budgets, and get insights instantly.
See Cognito Money in Action
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How It Works
1. Download
Install Cognito Money on your Windows PC. No account required.
2. Import
Import bank statements (CSV/Excel) or add transactions manually.
3. Ask Questions
"How much did I spend on groceries?" Get instant, intelligent answers.
Why Choose Cognito Money?
AI That Understands You
Ask questions like "How much did I spend on groceries?" and get instant, intelligent answers. No manual reports needed.
Your Data Stays Yours
Unlike Mint or YNAB, your financial data never leaves your device. No cloud storage, no data mining, no targeted ads.
Affordable Plans
Free tier available with core features. The Standard plan starts at just $29/year. No expensive monthly subscriptions.
Smart Import and Categorization
Import bank statements (CSV, XLSX, OFX, QFX) with automatic categorization. AI learns your spending patterns.
Receipt Scanning
Scan receipts with your camera. AI extracts itemized data so you can track exactly what you bought.
Natural Language Search
Chat with your finances. Did I buy coffee last week? How much on restaurants in March?
How We Compare
| Feature | Cognito Money | Mint / YNAB |
|---|---|---|
| Data Privacy (Local Storage) | ||
| AI-Powered Insights | ||
| Affordable Pricing | ||
| Receipt Itemization | ||
| No Ads | ||
| Works Offline |
What Users Are Saying
Real feedback from privacy-conscious users
"Finally, a finance app that doesn't sell my data! The AI chat is incredible—I just ask questions and get real answers about my spending."
"I switched from Mint after they announced shutdown. Cognito is better anyway—my data stays on MY computer, and the AI features are more powerful."
"The receipt scanning is amazing. Take a photo, and it extracts everything—itemized! Plus knowing my financial data isn't being mined for ads is priceless."
"Love that it works offline. I travel internationally and can still track expenses without internet. When I get home, everything syncs from my local database."
"Best $29 I've spent. The AI understands natural language perfectly. 'How much did I spend on coffee last month?' Boom—instant answer. No clicking through menus."
"After years of YNAB, I was skeptical. But Cognito's privacy-first approach won me over. Plus the AI insights are way beyond anything cloud apps offer."
Ready to Take Control?
Download Cognito Money today. Free tier available with all core features.
Get Started Free