About Cognito Money

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

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

Comprehensive transaction management:

• Record expenses and payments manually
• Import transactions from bank statements (CSV, XLSX, OFX)
• Upload grocery receipts - EML (Albertsons), TXT (Smith's), or photos
• Upload utility bills - TXT format with full line-item parsing NEW v3.3
• Auto-extract itemized purchases - 100% accurate for Albertsons (.eml) and Smith's (.txt), OCR for photos
• Hierarchical categories - Organize with subcategories (Utilities → Electric, Water, etc.) NEW v3.3
• Auto-categorize transactions with learned patterns
• Search and filter transaction history
• Duplicate transaction detection and management
• Transaction reconciliation tools
• Tag-based organization with AI learning
• Query specific items via AI chatbot - groceries AND utility charges

Create and manage detailed budgets:

• Set up category-based budgets
• Monitor spending against budget limits
• View budget progress visually
• Monthly budget rollover
• Budget versus actual analysis

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

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

Organize your finances with categories:

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

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

Visualize your financial timeline:

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

Latest AI Models (2025):

• Claude Sonnet 4.5 & Haiku 4.5 (Anthropic)
• GPT-5 & GPT-5 Mini (OpenAI)
• Gemini 2.5 Flash & Pro (Google)

Features:

• Floating chatbot - Available on every page
• Draggable & minimizable - Reposition and collapse chatbot NEW NOV 2025
• Conversation persistence - Chat history maintained across pages NEW NOV 2025
• Tags & notes AI search - Query by tags and notes NEW NOV 2025
• Itemized receipt queries - Ask about specific grocery items
• Built-in help assistant - Ask "how to" questions for guidance
• Ask custom questions in natural language
• Financial calculator (loans, savings, investments)
• Spending pattern analysis & budget suggestions
• Anomaly detection & predictions
• Context-aware page help & conversational follow-ups

Monitor your overall financial wellbeing:

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

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

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