Centiv: AI Money Advisor

Six AI advisors looking after your money. See what changed, ask Coach anything, and stay ahead of subscriptions, debt, and surprises — all in one place.

Centiv is the AI money advisor that actually speaks your language.

Connect your bank accounts, and Centiv's AI advisors start reading your transactions, scoring your financial health, and delivering sharp, honest insights. No spreadsheets.

WHAT CENTIV DOES FOR YOU

Coach — your AI money advisor Ask anything, anytime. "Can I afford this?" "Where did my money go?" "How do I lift my score?" Coach reads your transactions in real time and gives you straight answers — no jargon, no upsell.

Daily Pulse Every morning, Centiv drops your financial briefing — what came in, what went out, what spiked, and what needs attention. Your money, summarized before your first coffee.

¢Score Your real-time financial health score, updated daily. Not a generic rating — a personalized breakdown of exactly what's helping and what's hurting, with Ace's step-by-step guidance to move it up.

Money Persona Every Sunday, see your weekly spending vibe — Routine, Choice, and One-offs — in a shareable card that holds up a mirror to how you actually spent.

Drain Detection Sentry automatically flags forgotten subscriptions, surprise charges, spending spikes, and patterns quietly draining your account — before they become a problem.

Household Finance Invite a partner and see your money together. Shared insights, individual privacy — no awkward conversations required.

LIVE YOUR LIFE — CENTIV HANDLES THE MONEY SIDE

Centiv supports your choices and adds context. It never grades them. The principle is simple: live your life. Centiv is here to make the money side of it clearer.

Connect your bank. Meet Coach. Get moving.

PRIVACY & SECURITY

Bank connections are read-only. We use bank-grade encryption and never store your credentials. Your data is yours.

Privacy policy: centiv.app/privacy