Cenvara
See your money more clearly
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
A refreshed Cenvara: smarter on-device entry, a clearer wallet, local insights, and optional Cenvara AI in supported regions.
Cenvara is a private, user-maintained personal finance ledger that helps you see where your money goes.
ORGANIZE YOUR MONEY
• Create display-only bank, cash, WeChat Pay, Alipay, and custom accounts.
• Record income and expenses, customize categories, and review recent transactions.
• Use on-device natural-language entry to prepare a draft, then review and save it.
• Mark a full expense refund in your ledger or undo the mark. This does not initiate a real refund or transfer.
SEE THE BIGGER PICTURE
• Explore local cash-flow insights, budgets, and saving goals.
• Use informational ECB reference exchange rates with an effective date and offline cache.
• Optionally search Apple Maps and save a place with a transaction. Map searches and map display connect to Apple; Cenvara does not read your device location.
PRIVATE BY DESIGN
• Keep your ledger on your device and in your private iCloud database.
• Protect access with app-lock controls.
• Cenvara does not connect to banks, retrieve bank balances, move money, or request full card numbers.
CENVARA LENS MEMBERSHIP AND CENVARA AI
Optional membership adds insight and automation features. In supported regions, members can use Cenvara AI after reviewing and approving a limited data scope. Currency totals, category summaries, and chat text are sent through the Cenvara gateway to OpenAI. An image is sent only when separately selected and confirmed. Saved transaction places are not included in AI summaries.
Cenvara AI is unavailable in mainland China, where local insights remain available. AI responses may be inaccurate and are informational only, not investment, tax, legal, or credit advice.
Core manual bookkeeping, privacy controls, iCloud sync, export, and account deletion remain available without membership. Cenvara is not a bank, payment service, broker, lender, or money-transfer service.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Cenvara 1.1 brings a refreshed look and more useful everyday bookkeeping.
• New app icon, graphite-and-mint styling, and native tab navigation.
• On-device smart entry: review a draft before saving.
• Clearer account creation and custom category names and icons.
• Transaction details with optional Apple Maps place search and previews.
• Mark and undo full refunds in your ledger; no real refund or transfer is initiated.
• Refined local insights and Cenvara AI conversations where available.
• Improved membership refresh, input layout, and navigation stability.
Cenvara AI is not available in mainland China. Local bookkeeping and insights remain available.
The developer, Tsz Kit Zhao, 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
- User Content
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Tsz Kit Zhao
- Size
- 3.9 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. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 2 more
- English, Simplified Chinese, Traditional Chinese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Cenvara Lens Yearly $39.99
- Cenvara Lens Monthly $4.99
- Copyright
- © 2026 Tsz Kit Zhao