CentsCheck

Know what’s safe to spend today. Private, offline-first budgeting — plus Pools, a portfolio tracker, and CentsCheck Business: revenue, clients & P&L for your work.

Confucius said: "He who will not economize will have to agonize." CentsCheck revives that ancient wisdom: simple, private spend tracking that helps you take control.

Log transactions in seconds. Spot patterns, set limits, and let small, mindful choices add up — all privately, offline-first, with optional end-to-end encrypted sync for multi-device and shared features.

Why Choose CentsCheck?

1. Safe-to-Spend — Completely Free See exactly how much you can spend today (or this week) without breaking your budget, calculated from your real income, fixed bills, and what's already spent. Forecast-to-payday shows where you'll land — and a tap opens the actual math, line by line. No guesswork, no paywall.

2. Quick, Frictionless Entry Floating action button, smart calculator input, snap receipts to auto-fill, notes, and one-tap categorization. Log from your iPhone, your Apple Watch, a Home Screen widget — or just ask Siri.

3. Categories That Fit Your Life Carefully chosen starter categories, plus room for your own. Pro unlocks up to 40 expense, 15 income, and 15 investment categories with full renaming, archiving, and editing.

4. Flexible Budgets & Savings Goals Set budgets per category, mark Fixed and One-time bills so they don't skew your daily pace, and track progress with clean bars. Pro users create up to 15 savings goals (vs. 3 free).

5. Pools: Shared Expenses Done Fairly Split costs with friends, roommates, partners, or trips. Easy invite codes, real-time balances, pool Safe-to-Spend, and automatic personal budget sync. Equal and exact splits are free; percentage and share splits, settlements, and pool budgets come with Pro. Join unlimited pools free.

6. CentsCheck Business — Your Small-Business Cockpit A separate plan for freelancers and small teams: revenue, expenses, and profit at a glance, per-client P&L, invoice tracking with due-date reminders, custom fiscal year, profit set-aside and distributions, and a Business Pack export (P&L PDF, CSV, receipts) your accountant can use as-is. Runs on your iPhone and the web cockpit at app.centscheck.com.

7. Money Briefs & Clear Insights — No Fluff Spending trends, category breakdowns, unusual-spending alerts, and Money Briefs delivered as private notifications. Free users get monthly summaries; Pro gets weekly briefs and shareable reports.

8. CentsCheck AI Link — Your Finance Assistant Connect the AI assistant you already use, such as Claude. Asking questions is free and unlimited; logging and fixing transactions includes 25 free actions a month, unlimited with Pro. Your AI can propose budget plans, and nothing changes until you approve it in the app. You grant access, every action is logged, and anything can be undone.

9. Investment Portfolio (Pro) Track stocks, ETFs, and crypto with current market prices, integrated with transaction logging and your cashflow chart.

10. Private by Design Your data stays on your device. Optional sign-in enables end-to-end encrypted sync — we can only see encrypted gibberish. Encrypted local backup puts a copy in your own hands.

No forced subscriptions. No data sold. Honest tools to spend smarter today and grow mindfully for tomorrow.