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.
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Install Cognito Money on your Windows PC. No account required.
Import bank statements (CSV/Excel) or add transactions manually.
"How much did I spend on groceries?" Get instant, intelligent answers.
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.
Free tier available with core features. Premium plans starting at just $29/year. No expensive monthly subscriptions.
Import bank statements (CSV, XLSX, OFX) with automatic categorization. AI learns your spending patterns.
Scan receipts with your camera. AI extracts itemized data so you can track exactly what you bought.
Chat with your finances. Did I buy coffee last week? How much on restaurants in March?
| Feature | Cognito Money | Mint / YNAB |
|---|---|---|
| Data Privacy (Local Storage) | ||
| AI-Powered Insights | ||
| Affordable Pricing | ||
| Receipt Itemization | ||
| No Ads | ||
| Works Offline |
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."
Download Cognito Money today. Free edition available with all core features.
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