Cognito Money is a privacy-focused AI financial analysis tool that runs locally on your computer, helping you track spending, manage budgets, and derive intelligent insights from your financial data without sending your sensitive information to the cloud. Users can import bank statements (CSV/Excel/OFX/QFX), manually enter transactions, and scan receipts — and the AI can automatically categorize expenses, identify patterns, and answer natural-language questions like “How much did I spend on groceries last month?” using simple conversational queries.

Key features include:

📊 AI-Powered Insights & Natural Language Chat: Ask questions about your finances in plain English and get instant, smart responses.

📈 Automatic Categorization & Spend Analysis: The AI learns your spending habits and sorts transactions into categories for clearer breakdowns.

📜 Receipt Scanning: Use your camera to capture receipts — AI extracts itemized details so you can track individual purchases.

📁 Local Privacy: Your financial data stays on your device — no cloud storage or data mining.

🧠 Budgeting & Trend Reporting: Track budgets, see trends over time, and export reports (Excel/PDF) for deeper analysis.

There’s a free forever tier with manual entry and basic features, and paid plans (Standard and Pro) unlock AI automation, smart imports, advanced reporting, and deeper AI analytics for more comprehensive money management.

$29/month