Centiv AI: Budget & Save Money
Net Worth, Investing, Spending
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Centiv connects every account and covers every side of your money — spending, saving, debt, investing, subscriptions, splits — with seven AI advisors on watch 24/7
Whether you are maximizing your money or your time, Centiv caters to both. It aptly sets your finances on autopilot, so you can focus on life, family, lifestyle and career. Centiv deploys its squad of AI money experts to handle your money, closely tracking your income and spends, while maximizing your assets and savings.
Once you accounts are connected, Coach, Sage, Ace, Warden, Sentry, Max and Clerk get to work, reading and categorizing your transactions, scoring your financial health, assessing your net worth, flagging sneaky subscriptions and identifying interest drains. It even detects suspicious or unrecognized transactions, as well as cancel the subscriptions on your consent.
No manual entry, no spreadsheets, no rigid budgets. Simply click, chat or talk to get going.
YOUR PERSONAL AI SQUAD
Coach — talk to your money
Ask anything, anytime. "Can I afford this?" Coach reads your real transactions and gives you a straight answer — no jargon, no upsell.
Sage — forecasts and budgets that fit your life
Monthly forecasts, goals and budgets built around your actual income and spends, not a generic template. Sage tracks progress weekly.
Ace — your ¢Score, explained
A real-time financial health score across 6 dimensions — cash flow, debt, savings, spending, stability, growth. Ace tells you exactly what to focus on next.
Warden — watches your debt
Real credit limits, real interest costs, and an alert before a balance quietly costs you more.
Sentry — catches the leaks
Forgotten subscriptions, surprise charges — flagged before they become a habit.
Max — identifies rewards and best cards for purchases. Recommends best card to use.
Maps credit cards to purchases and identifies which ones to use for max benefits.
Clerk — your receipts get organized and become smarter
Snap a photo and Clerk extracts merchant, items, totals, and tax — so refunds, offers, discounts never slip through.
Centiv supports household finance — invite a partner and see your money together. Shared insights, individual privacy.
LIVE YOUR LIFE — CENTIV HANDLES THE MONEY SIDE
Centiv supports your choices and adds context. You set your life's financial focus and change that at anytime. Centiv adjusts to your life choices, maximizing your potential.
Free Plan - Free forever with one bank connection and unlimited accounts
Premium - Unlimited bank connections and accounts
Household - Premium + 1 partner user
PRIVACY & SECURITY
Bank connections are read-only across 10,000+ US banks and credit unions. Bank-grade encryption, no stored credentials, no AI training on your data. Your data is yours. Delete and disconnect on one-click. GDPR and CCPA compliant.
Privacy policy: centiv.app/privacy
Ratings & Reviews
¢ Splits — split any shared charge with friends, roommates, or a group. See who owes what and settle up without the awkward math. • Best card to pay with — Max shows which card in your wallet earns the most on every purchase.
• Sharper subscription detection — Sentry catches more recurring charges and flags price hikes sooner.
• A cleaner Home — Quick Actions redesigned so your next money move is one tap away.
• Performance and polish fixes across the app.
Seven AI advisors. One app for your whole financial life.
The developer, High Five Creations LLC, 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
- High Five Creations LLC
- Size
- 81.8 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
- Location
- This app may use your location even when it isn’t open, which can decrease device battery life.
- 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
