CentsNote: Expense Tracker
Private daily money tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
CentsNote is a private daily expense tracker for spending, budgets, bills, subscriptions, income, travel, and fast voice logging without bank sync.
CentsNote is a private daily expense tracker for people who want a simple, safe way to log spending, income, budgets, bills, and subscriptions without connecting a bank account.
Use it as a manual expense tracker, spending tracker, money tracker, budget app, bill tracker, or subscription tracker for everyday life. Record breakfast, coffee, groceries, rent, utilities, salary, transfers, travel spending, shared costs, recurring bills, and the small purchases that are easy to forget.
It is designed for people who want clarity without a complicated finance setup: students watching daily cash spending, freelancers separating work and personal expenses, travelers logging multiple currencies, families tracking household bills, and anyone who prefers a safe manual money log instead of automatic bank sync.
You can type a record manually or speak one money note. CentsNote helps turn voice input into editable drafts, then you review the amount, category, account, date, and memo before saving. One sentence can become multiple records when needed, but every entry stays under your control.
CentsNote is useful if you want to:
- Track daily expenses, income, and transfers
- See where your money goes each month
- Plan budgets and spending limits
- Separate food, coffee, shopping, transport, rent, utilities, work, and travel expenses
- Manage rent, utilities, subscriptions, and recurring expenses
- Review subscription costs before they renew
- Keep a personal ledger without bank sync
- Use an offline-first money log with optional iCloud backup
- Track multi-currency spending for travel, work, or daily life
Private and local-first
CentsNote does not connect to your bank account and does not require account linking. Your daily ledger is local-first by default. When you choose, iCloud backup or sync uses your own Apple account.
Fast voice logging
Say it, review it, save it. Voice input helps you capture spending before you forget, while manual confirmation keeps the record accurate.
Clear monthly view
Review cash flow, categories, account activity, budget progress, subscriptions, recurring bills, and recent records in one lightweight tracker.
Built for everyday consistency
CentsNote is not a complex finance dashboard. It is a simple daily tracker for the moments when you just want to record what happened, understand your habits, and keep a clean history for later review.
CentsNote is built to make money tracking feel private, calm, and easy to keep up with. It does not make financial decisions for you and does not provide investment, tax, credit, banking, or financial advice.
Terms of Use: https://www.centsnote.com/app/legal/terms.txt
Privacy Policy: https://www.centsnote.com/app/legal/privacy.txt
Thanks for using CentsNote. This update focuses on small experience refinements that make daily tracking smoother.
- Polished details in daily recording, budgets, statistics, and recurring bills.
- Improved interface consistency and readability in common flows.
- Fixed several minor issues and improved overall stability.
The developer, Ke XinXian, 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:
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ke XinXian
- Size
- 19.9 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
English and 6 more
- English, French, German, Japanese, Korean, Simplified Chinese, Traditional Chinese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- CentsNote Pro Annual $39.99
- CentsNote Pro Monthly $4.99
- Copyright
- 2026 ©️ CentsNote.com