Cently: Budget & Spending

Cently turns your spending into budgets, bills and one clear daily number — privately, on your phone. No bank login, ever.

WITHOUT HANDING OVER YOUR BANK LOGIN Cently never connects to your bank and never asks for banking credentials. Your bank already texts you when you spend; Cently reads those messages on your phone and turns them into entries. Set up one Shortcuts automation (iOS 17 or later — the app walks you through it, screen by screen) and it happens by itself. Prefer not to? Paste or share a message, scan a receipt, or type "lunch 12" and it's filed.

ONE NUMBER THAT ANSWERS "CAN I SPEND THIS?" Safe-to-Spend takes your income, your budgets, the bills still to come and what you've already spent, and shows what's left for today. It updates the moment a spend is added, and it works offline.

WHAT'S IN THE FREE APP • Capture: automatic (via Shortcuts), paste, share, receipt scan, or two-tap quick add • Budgets per category, including festival budgets for your own country • Bills and subscriptions, with what's due and when • Savings goals tracked to the date • Up to 10 accounts, cards and cash together • Last month's statement as a PDF, and CSV/Excel export • Encrypted backups you control • Light and dark themes, PIN or Face ID lock

CENTLY PRO • No ads, ever • Encrypted sync across your devices — end-to-end, so our server cannot read it • Family vault: share budgets and chosen transactions with your household • Home-screen widgets • Cashflow forecast: where your balance is heading, and which days are tight • Subscription Detective: recurring charges and price rises • Unlimited receipt scans, every statement period, CSV/Excel import • Unlimited accounts, assets and net worth • Ask Cently: ask about your month in ordinary words

PRIVACY, PLAINLY Your transactions, budgets, notes and photos stay on your phone. Bank message text is never stored — only the amount, merchant, date and a fingerprint to skip duplicates. Everything that could leave the phone is off until you turn it on, and the Privacy dashboard shows exactly what each one sends. Ask Cently is the one feature that is not end-to-end encrypted: your question and a few totals go to our server and on to OpenAI to write the answer, never your transactions.

WORKS IN YOUR CURRENCY Any country, any currency, picked up from your region and changeable any time.

SUBSCRIPTION DETAILS Cently Pro: $1.49/month or $9.99/year (prices vary by country and are lower in many). Both start with a 7-day free trial; cancel before it ends and you pay nothing. Subscriptions renew until cancelled in your App Store settings.

Terms: https://cently.nodemint.dev/legal/terms/ Privacy Policy: https://cently.nodemint.dev/legal/privacy-policy/

Discovery signals