Automate your expense tracking privately! Easily track spending directly from bank SMS and receipts—no banking logins required.
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/
Ratings & Reviews
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What's New in Version 1.0.11:
• Streamlined Cloud Backup & Sync:
Setting up your end-to-end encrypted recovery phrase is now faster, clearer, and more secure than ever.
• Backup Reminders for Pro:
Never risk losing your financial history. Cently Pro users now receive helpful reminders to securely store their encryption keys and keep cloud sync active across devices.
• Display & Layout Improvements:
Refined the Pro upgrade screen layout so subscription options and pricing details are clearly visible above the fold on smaller screens.
• Smoother Onboarding:
Polished navigation and transition flows when setting up accounts and initial budgets.
• Performance & Stability:
Under-the-hood optimizations for background data synchronization and enhanced reliability.
Version 1.0.11
The developer, Shan Nirmala, 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:
Purchases
Financial Info
Contact Info
User Content
Identifiers
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More