Know where your money goes. Keep your bank login to yourself.
Cently turns your spending into budgets, bills and a clear daily number, privately, on your phone. Works offline, in your currency.
No bank login · Works offline · Your data stays on your phone
Two phones, two honest ways in
Android lets Cently read the transaction messages your bank already sends. Apple lets no app read messages, so on iPhone you set up one Shortcuts automation that hands each bank message to Cently. Neither asks for a bank login.
Your bank texts you → Cently reads it on the phone → it's in your budget.
Card purchase USD 64.30 at GREEN MARKET on 12/09. Avl bal USD 1,220.15.
The message text itself is never stored. Cently keeps the amount, merchant and date, plus a fingerprint so the same spend isn't counted twice.
Set up one Shortcuts automation, and each bank message reaches Cently by itself.
When I get a message from your bank → Add a bank message to Cently
Cently walks you through it, screen by screen, on iOS 17 or later.
Prefer not to? Paste or share a bank message, scan a receipt, or type “lunch 12” and it's filed.
One number that tells you if today is fine.
Cently takes your income, your budgets, the bills still to come and what you've already spent, and shows what's left to spend today without hurting next week.
- Updates as soon as a spend is added, offline.
- Counts cash the same as cards.
- Knows the bills between now and payday.
Everything a month of money needs
Quick add
Type “lunch 12” and it's filed, with the category guessed for you.
Budgets
Set a limit per category and watch it through the month, not after it.
Bills and subscriptions
What's due, when, and what it does to the rest of the month.
Savings goals
Put money aside for something specific and track it to the date.
Festival budgets
Your own country's celebrations, planned for before they arrive.
Receipt scanning
Photograph a receipt and Cently pulls out the amount and date, on the phone.
Monthly statement
A clear PDF of the month, made on the phone, yours to keep or share.
Cash tracking
Notes and coins count too, so the picture is the whole picture.
Your transactions stay on your phone.
- Cently never asks for your banking credentials and never connects to a bank.
- Bank message text is never stored. Only the amount, merchant, date and a duplicate fingerprint.
- Anything that leaves the phone is switched on by you. Sync and the family vault are end-to-end encrypted.
- Usage statistics and crash reports are off until you turn them on.
Your currency and your calendar, picked up automatically.
Cently reads your region and sets the currency and the festivals it suggests budgets for. Both can be changed, and you can add your own.
Free does the whole month. Pro adds the extras.
The full app on your phone.
- Capture, budgets, bills and goals
- Safe-to-Spend and cash tracking
- Last month's statement, and CSV and Excel export
- Encrypted local backups
Monthly or annual, each with a 7-day free trial. The store shows the price in your currency.
- No ads, ever
- Encrypted sync across devices and a family vault
- Home-screen widgets and cashflow forecast
- Unlimited receipt scans, every statement period, Ask Cently
Subscriptions are billed by the App Store or Google Play and can be cancelled any time there.
Does Cently need my bank password?
No, never. It doesn't connect to a bank at all.
Can my iPhone add bank messages automatically?
Yes, after a one-time Shortcuts setup that Cently walks you through (iOS 17 or later). Apple lets no app read messages by itself, so your iPhone forwards them.
Does it work without internet?
Yes. Everything except sync and Ask Cently works offline.
Which currencies and countries?
Any. Cently picks yours from your region, and you can change it.
Start with this month.
Free on iPhone and Android. Nothing to sign up for, and no bank login to hand over.
No bank login · Works offline · Your data stays on your phone