CentsCheck

Name: CentsCheck
Author: Kah Mun Lam

By: Kah Mun Lam

Clear spending, mindful growth

Features & Capabilities

Know what's safe to spend today. Private, offline-first budgeting — with shared Pools, a portfolio tracker, and an AI assistant you control.

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

Log transactions in seconds. Spot patterns, set limits, and see how small, mindful choices add up over time — all privately, offline-first with optional AES-256 end-to-end encrypted cloud sync for multi-device and group features.

Why Choose CentsCheck?

Quick, Frictionless Entry Floating action button, smart calculator input, snap receipts to auto-fill (unlimited scans with Pro), notes, and one-tap categorization. Log expenses in seconds - no digging, no hassle.
Safe-to-Spend Limit - Completely Free See exactly how much you can spend today (or this week) without breaking your budget. Instantly calculated from your real income, fixed bills, and what's already spent. Swipe down on your budget card for a cumulative expense chart - actuals vs. pace, day by day. No guesswork, no paywall.
24 Smart Default Categories Carefully chosen defaults that cover most people's lives. With the Pro tier, rename, delete, archive, or add as many as you want, unlocking up to 40 expense categories, 15 income categories, and 15 investment categories.
Flexible Monthly Budgets & Savings Goals Set budgets per category, mark Fixed/One-time bills so they don't affect daily spending pace, track progress with clean bars, and celebrate milestones. Pro users can create up to 15 savings goals (vs. 3 free) with advanced forecasting. Works the way your brain actually thinks about money.
Pools: Shared Expenses & Business Tracking Split costs with friends (trips, roommates, dinners) or track freelance and business income and expenses in one app. Easy invite codes, four split methods (Equal and Exact free; Percentage and Shares with Pro), real-time balances, smart settlements (Pro), a pool Safe-to-Spend card, and automatic personal budget sync. Business pools add a profit dashboard that charts revenue against expenses, a clients and projects directory, profit distributions by owner's share, invoices with due-date tracking, revenue goals (Pro), and tax-ready CSV export. Unlimited joins free; unlimited pools with Pro.
Money Briefs & Clear Insights - No Fluff See spending trends, category breakdowns, unusual changes, weekday vs. weekend patterns, and saved Money Briefs. Free users get monthly summaries; Pro users get weekly briefs and shareable PDF reports.
Investment Portfolio Management (Pro) Comprehensive portfolio tracking - all in one location to record holdings for crypto and stocks, with holdings management and real-time pricing. Integrated to Investment Transaction logging and Cashflow Chart.
CentsCheck AI Link - Your Finance Assistant Connect any MCP-compatible AI (ChatGPT, Claude, Cursor, and more) to ask about spending, budgets, pools, and goals in plain English. Pro users can let AI log, fix, or bulk-add transactions and help manage budgets, goals, and recurring bills. Secure token auth, scoped access, activity history, and undo keep you in control.
Multi-Currency & Secure Multi-Device Sync Track in any currency with automatic conversions, and keep everything in sync across your devices - encrypted, private, and always under your control. Changes upload immediately when you background the app, and auto-sync when you reconnect. Pro users get unlimited device syncs.
Secure & Private by Design Your data stays on your device. Optional Apple/Google sign-in enables end-to-end encrypted cloud backup & sync - even we see only encrypted gibberish. This update also adds stronger behind-the-scenes protections, smoother sync, and safer AI Link handling.