About SenticMoney

Your Comprehensive Personal Finance Solution

SenticMoney is a feature-rich application designed to simplify personal finance management and give you complete control over your financial life.

Dashboard

A comprehensive overview of your financial health, including:

Monthly income and expense summary
Current account balances
Recent transactions
Upcoming bills and reminders
Monthly spending by category
Budget progress

Income Management

Tools to track and manage your income sources:

Record regular and one-time income
Set up recurring income sources
View income trends over time
Income source management
Income source categorization

Transaction Tracking

Comprehensive transaction management:

Record expenses and payments manually
Import transactions from bank statements (CSV, XLSX, OFX, QFX, PDF)
Unified receipt & bill upload - One AI-powered pipeline for receipts, bills, and invoices (photos, PDF, email, text)
Auto-extract itemized purchases - AI vision for photos and PDFs, 100% accurate for email/text
Hierarchical categories - Organize with subcategories (Utilities → Electric, Water, etc.)
Auto-categorize transactions with learned patterns
Split transactions - Allocate one purchase across multiple budget categories for accurate tracking
Month Quick Links - Jump between months on both index and all transactions pages
Search and filter transaction history
Duplicate transaction detection and management
Bulk actions - Select multiple transactions to delete, change category, or change type
Transaction reconciliation tools
Tag-based organization with AI learning
Query specific items via AI chatbot - groceries AND utility charges

Budget Management

Create and manage detailed budgets:

Set up category-based budgets (monthly, quarterly, yearly)
Monitor spending against budget limits
View budget progress visually
Carry Forward - Unused budget amounts roll over to the next period
Budget versus actual analysis

Financial Goals

Set and track financial goals:

Create savings goals with target dates
Track goal progress visually
Debt repayment planning
Goal contribution suggestions
Visual goal progress tracking

Bill Management

Never miss a bill payment:

Track recurring bills and subscriptions
Set up payment reminders
Mark bills as paid
View upcoming payment schedule
Analysis of monthly and yearly expenses
Auto-populate to Runway for cash flow planning NEW

Runway

Cash flow planning from paycheck to paycheck:

Living Money - Know exactly what's left after bills
$/Day - Daily spending allowance calculation
Auto-populate - Pull in income, bills, and budgets
Budget proration - Monthly budgets scaled to period length
Period reconciliation - Close periods with actual balances
Cascading balances - Sync All updates future periods
Credit card balance tracking - Running balances across cards
Card utilization - Track balance vs credit limit

Category Management

Organize your finances with categories:

Create custom spending categories
Set up category hierarchies
Automated transaction categorization
Category spending analysis
Category-based reports

Reminders

Stay on top of your financial obligations:

Create custom payment reminders
Bill due date notifications
Goal contribution reminders
Important financial date alerts
Configurable notification timing

Financial Calendar

Visualize your financial timeline:

Calendar view of all financial events
Bill due dates
Income deposit dates
Goal target dates
Important financial deadlines

SenticMoney Genie

Powered by Gemini 3.1 Pro

Page-aware chatbot - Sees data from the page you're viewing (Dashboard, Budgets, Runway, Bills, Transactions)
Floating chatbot - Available on every page, draggable & minimizable
Conversation persistence - Chat history maintained across pages
Tags & notes search - Query by tags and notes
Contextual domain knowledge - Genie understands Dashboard cards, Runway periods, Budgets, Bills, and Import workflows specifically
Onboarding guidance - Setup Guide and step-by-step help for new users
Split transactions - Split one purchase across multiple budget categories
Unified document upload - Receipts, bills, invoices via one AI pipeline
Ask custom questions in natural language
Spending pattern analysis & budget suggestions
Anomaly detection & predictions

Financial Calculators Free

Interactive financial planning tools:

Mortgage/Loan Payoff - Monthly payments, extra payment savings, donut chart breakdown
Credit Card Payoff - Payoff timeline, payment scenario comparisons, interest ratio
Compound Savings - Growth chart, contribution scenarios, milestone tracking
Debt Snowball vs Avalanche - Strategy comparison, balance charts, payoff timeline
Interactive Chart.js visualizations
"What if" scenario tables

Financial Health

Monitor your overall financial wellbeing:

Financial health score
Debt-to-income ratio tracking
Savings rate analysis
Emergency fund status
Financial improvement recommendations

Accounting Dashboard

Professional accounting reports:

Balance sheet generation
Income statement (P&L)
Cash flow statements
Tax deductible expense reports
Year-end financial summaries
Export reports for tax filing
Money Flow Sankey chart with Planned and Actual views
Bill payment auto-reconciliation with imported transactions
Income source linking on transactions and auto-match on import

Data Visualization

Interactive charts and graphs:

Spending trends over time
Income vs expenses comparison
Category spending breakdowns
Budget progress visualization
Financial goal tracking charts
Dark mode optimized charts

Technical Features

Privacy & Security

Your financial data lives on your computer — not in the cloud.

100% local storage — Your database, transactions, receipts, and settings never leave your machine
AI sees a summary, not your data — When you use the AI Genie, only a brief financial snapshot (~2-4K tokens) is sent — never raw transaction history, account numbers, or personal details
No cloud sync, no third-party data sharing, no analytics or telemetry
Secure user authentication with password protection
Password recovery via email (set email in your profile)
Works fully offline (AI features require internet)

Data Management

Manual database backups with customizable save location
Full application or database-only backup options
Data recovery through backup restoration
Export transactions to CSV/Excel
Import bank statements (CSV, XLSX, OFX, QFX, PDF)

Personalization

Dark/light theme toggle
User profile with license management
Customizable categories with colors and icons

Accessibility

Responsive design for all devices
Access from any device on your home network
Standard browser navigation

SenticMoney is continuously evolving with new features and improvements.

LATEST Version 2.5.4 (April 2026): Currency Support - Choose between USD ($), EUR (€), or GBP (£) from your profile settings. All pages, reports, and exports use your selected currency symbol | European Import Improvements - Enhanced support for comma-decimal and DD/MM/YYYY date formats | Native Mac Experience - Dock-click reopens browser when app is running in background | Bug Fixes - Database migration improvements, enhanced error handling

Version 2.4.3 (March 2026): Debug Cleanup - Removed session/auth debug logging and development-only Flask exception settings for a cleaner, leaner build

Version 2.4.2 (March 2026): Voice-to-Text Input - Mic button on Notes fields and Genie chat with EN/ES/FR language toggle | Genie Direct Transaction Links - Genie responses link directly to referenced transactions | Split Auto-Remainder - Primary category amount updates automatically as you allocate split rows | Genie Split Allocation Awareness - Genie sees existing split categories and amounts on the Edit page

Version 2.4.1 (March 2026): Runway Actual Per Day - Current period shows actual $/day (real balance ÷ days remaining) alongside planned | Genie Page Context Expansion - Genie understands 10 additional pages with descriptions, actions, and tips | Genie Clickable Nav Links - Genie responses contain clickable links when directing you to pages | Archived Year Category Breakdowns - Ask "how much did I spend on groceries in 2025?" and get a direct answer | Sankey Node Totals - Money Flow chart displays dollar totals on each node | European Import Fixes - Comma-decimal amounts and DD/MM/YYYY dates now import correctly

Version 2.4 (March 2026): Money Flow Sankey Chart - Income-to-expense visualization with Planned and Actual views under Accounting Dashboard | Budget Multi-Source Income Linking - Budgets link to multiple income sources via checkboxes | Income Source Linking on Transactions - Link income deposits to sources, auto-matched on import | Bill Pay Auto-Reconciliation - Prevents duplicate transactions when marking bills as paid

Version 2.3.1 (March 2026): Genie Accounting Page Awareness - Genie understands all 5 accounting pages with page-specific context and aliases (P&L, net worth, taxes, etc.) | Genie On-Screen Numbers - Genie anchors to numbers visible on your screen right now, not just snapshot data | Voice Mic Timeout - "Didn't catch that" hint after 8 seconds instead of an unresponsive mic | Calendar Billing Cycles - yearly, quarterly, and bi-weekly subscriptions now appear on the correct schedule

Version 2.3 (February 2026): Receipt-Aware Category Splits - select receipt items to auto-create split rows with correct totals, zero manual math | Genie Split Awareness - accurate split guidance with anti-hallucination guardrails | Genie Proxy Mode Parity - installed users get full conditional prompts matching local mode

Version 2.2.2 (February 2026): AI Fallback Resilience - automatic backup models ensure the Genie stays available even during provider outages | Gemini 2.5 Flash update - upgraded to stable model ID

Version 2.2 (February 2026): Genie File Attachments - attach bank statements, receipts, and documents directly in chat | Genie Voice Input - speak to the Genie via microphone | Gemini 3.1 Pro - upgraded AI model | Full Genie Training - 10 domain prompt files, 19 page contexts | SenticMoney Genie - unified AI assistant branding | Reset Application - clean slate option

Version 2.1 (February 2026): Contextual AI Knowledge - Genie now understands Dashboard, Runway, Budgets, Bills, and Import pages specifically | Split Transactions - allocate one purchase across multiple categories | Onboarding AI - guided setup for new users | Free Tier Teaser - preview the Genie before upgrading | PDF AI Import Wizard - analyze PDFs with AI Vision directly from the import page

Version 2.0 (February 2026): Financial Snapshot AI - complete AI rebuild with 74% less code, faster and more accurate responses | Page-Aware AI - chatbot sees what page you're on and guides you to the right actions | Setup Progress & Onboarding - AI guides new users through setup step by step | Gemini 3 Flash - upgraded model with improved reasoning

Version 1.5-beta (February 2026): Budget Carry Forward - unused budget amounts roll over to the next period | AI Chatbot Page Context - chatbot sees data from the page you're viewing | Unified Receipt & Bill Upload - one AI-powered pipeline for all document uploads | Month Quick Links on All Transactions page | Update Banner Release Notes - see what's new before downloading | Promo Code Support via Stripe checkout

Version 1.4-beta (February 2026): Financial Calculators (Free tier) - Mortgage, Credit Card Payoff, Compound Savings, Debt Snowball vs Avalanche with interactive charts, donut charts, scenario comparisons, and milestone tracking | Standalone calculators page with dedicated navigation | Category mapping teaser for Free users

Version 1.3-beta (January 2026): Runway - Cash flow planning from paycheck to paycheck | Living Money & $/Day calculations | Auto-populate from income, bills, and budgets | Budget proration by period length | Period reconciliation with cascading balances | Credit card balance tracking with running balances, card management, and utilization tracking | Runway actual vs planned spending | Overdue bill tracking | Living Money trend chart

Version 1.2-beta: Close Year feature (archive transactions) | Running balance column | Bulk transaction actions

Demo Mode