Simple, Honest Pricing

No subscriptions. No hidden fees. Pay once, own forever.

New to Cognito Money? Download the Free Edition first to try it out. You can upgrade anytime from within the app.

Free Edition

$0
Forever Free
  • Manual transaction entry (unlimited)
  • Basic budgeting
  • Category tracking (10 default categories)
  • Light & dark themes
  • Local data storage (SQLite)
  • Transaction search/filter
  • Basic monthly/yearly summaries
  • Export to CSV
  • Responsive mobile design
Download Free
MOST POPULAR

Premium Edition

$29
One-time payment
  • Everything in Free, PLUS:
  • Bank statement imports (CSV/Excel/OFX)
  • Auto-categorization with keyword mapping
  • Receipt OCR scanning (image files)
  • Email receipt parsing (.eml files)
  • Advanced reporting and charts
  • Export to Excel/PDF
  • Recurring transactions/bills
  • Priority email support
Buy Premium

Power User Edition

$79
One-time payment
  • Everything in Premium, PLUS:
  • AI chatbot (ask questions about spending)
  • Multiple AI providers (Claude, GPT-4, Gemini)
  • Advanced analytics and insights
  • API access (future)
  • Priority email support
Buy Power User

Frequently Asked Questions

Is there a free trial?

The Free Edition is available forever with no time limits. You can upgrade to Premium or Power User at any time.

What's your refund policy?

We offer a 30-day money-back guarantee on all paid editions. If you're not satisfied, we'll refund your purchase, no questions asked. See our Refund Policy for details.

Do I need to pay for AI features?

The Power User Edition includes AI chatbot functionality, but you'll need your own API key from Anthropic (Claude), OpenAI (GPT-4), or Google (Gemini). This gives you full control over AI costs and usage.

Can I use this on multiple computers?

Yes! Your license is for personal use on all your devices. No activation limits.

What if I want to upgrade later?

You can upgrade from Free to Premium, or Premium to Power User at any time. Pay only the difference in price.