A month of money, from the first spend to the statement.
Everything here runs on the phone. Features marked Pro need a subscription; the rest are in the free app.
Getting a spend in takes seconds, in whichever way your phone allows.
No bank login on either platform. Whatever route you use, the entry is filed on the phone with a category already guessed.
Cently reads the transaction messages your bank already sends and turns them into entries automatically, on the device. The message text is never stored.
Apple doesn't let any app read messages. Your iPhone can forward them instead: set up one Shortcuts automation and each bank message reaches Cently on its own. Without it, paste or share a message, scan a receipt, or add a spend in two taps.
Bank SMS turned into a transaction
Android · 1080 × 2340
Paste bank message
iPhone · 1170 × 2532
Budgets and festival budgets
Limits per category, and a plan for the festivals you actually celebrate.
Set what each part of life should cost and watch it through the month rather than after it. Cently picks up your region and suggests festival budgets for it: Diwali, Eid, Lunar New Year, Christmas, Avurudu, Vesak, Pongal, Thanksgiving.
Every suggestion can be changed, and you can add your own.
What's due, when, and what it leaves you.
Record the bills and subscriptions you pay and Cently keeps them in view before they land. The daily number already accounts for them, so nothing due next week looks like money you have today.
Bills
Goals
Saving for something specific, tracked to the date.
Name the goal, set the amount and the date, and put money aside as it comes. Cently shows whether the pace is enough and what it takes each month to stay on it.
One number today, and the shape of the month ahead.
Safe-to-Spend takes your income, budgets, the bills still to come and what you've already spent, and shows what's left for today. It's in the free app.
Pro adds the cashflow forecast: where the balance is heading over the coming weeks, and which days are tight.
Statement PDF
A clean record of the month, made on the phone.
The monthly statement is a PDF you can keep or send on. The free app covers last month; Pro opens every period.
Exports to CSV and Excel are in the free app too, for anyone who wants the numbers in a spreadsheet.
Six more, four of them Pro
Accounts and net worth
ProKeep your bank accounts, cards and cash together; the free app covers up to ten. Pro removes the limit and adds assets and net worth.
Home-screen widgets
ProThe daily number, today's spending and your budgets on the home screen, so checking doesn't mean opening the app.
Family vault
ProA shared space for a household's budgets and the transactions you choose to share, synced end-to-end encrypted. Cently's server can't read it.
Ask Cently
ProAsk a question about your month in ordinary words and get an answer back.
Themes
Partly ProLight and dark are free. Following your phone's setting, AMOLED black and the five accent colours come with Pro.
Security
A PIN, Face ID or a fingerprint to open the app, and encrypted backups you control. None of it involves an account with us.
Try it on this month.
Free on iPhone and Android, with no account to create.