Centiv: AI Money Advisor
Simply Talk To Your Money
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Six AI advisors looking after your money. See what changed, ask Coach anything, and stay ahead of subscriptions, debt, and surprises — all in one place.
Centiv is the AI money advisor that actually speaks your language.
Connect your bank accounts, and Centiv's AI advisors start reading your transactions, scoring your financial health, and delivering sharp, honest insights. No spreadsheets.
WHAT CENTIV DOES FOR YOU
Coach — your AI money advisor
Ask anything, anytime. "Can I afford this?" "Where did my money go?" "How do I lift my score?" Coach reads your transactions in real time and gives you straight answers — no jargon, no upsell.
Daily Pulse
Every morning, Centiv drops your financial briefing — what came in, what went out, what spiked, and what needs attention. Your money, summarized before your first coffee.
¢Score
Your real-time financial health score, updated daily. Not a generic rating — a personalized breakdown of exactly what's helping and what's hurting, with Ace's step-by-step guidance to move it up.
Money Persona
Every Sunday, see your weekly spending vibe — Routine, Choice, and One-offs — in a shareable card that holds up a mirror to how you actually spent.
Drain Detection
Sentry automatically flags forgotten subscriptions, surprise charges, spending spikes, and patterns quietly draining your account — before they become a problem.
Household Finance
Invite a partner and see your money together. Shared insights, individual privacy — no awkward conversations required.
LIVE YOUR LIFE — CENTIV HANDLES THE MONEY SIDE
Centiv supports your choices and adds context. It never grades them. The principle is simple: live your life. Centiv is here to make the money side of it clearer.
Connect your bank. Meet Coach. Get moving.
PRIVACY & SECURITY
Bank connections are read-only. We use bank-grade encryption and never store your credentials. Your data is yours.
Privacy policy: centiv.app/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Smoother navigation — no more dead ends around subscriptions, budgets, and account setup. • Sharper debt insights from Warden — real credit limits, smarter interest tracking. • New savings insights from Sage. • Faster subscription updates and a smoother sign-in. • Stability and performance improvements.
The developer, Mihir Godbole, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Mihir Godbole
- Size
- 59.1 MB
- Category
- Finance
- Compatibility
Requires iOS 16.0 or later.
- iPhone
Requires iOS 16.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Centiv Premium Household Annual $125.99
- Centiv Premium Household Monthly $14.99
- Centiv Premium Annual $109.99
- Centiv Premium $12.99
- Copyright
- © 2026 Centiv