Centiv AI: Money on AutoPilot

Personal finance on autopilot. Securely link your accounts to Centiv and auto track your financial health, interest drains, sneaky subscriptions. GDPR and CCPA compliant.

Whether you are maximizing your money or your time, Centiv caters to both. It aptly sets your finances on autopilot, so you can focus on life, family, lifestyle and career. Centiv deploys its squad of AI money experts to handle your money, closely tracking your income and spends, while maximizing your assets and savings.

Once you accounts are connected, Coach, Sage, Ace, Warden, Sentry, and Clerk get to work, reading and categorizing your transactions, scoring your financial health, assessing your net worth, flagging sneaky subscriptions and identifying interest drains. It even detects suspicious or unrecognized transactions, as well as cancel the subscriptions on your consent.

No manual entry, no spreadsheets, no rigid budgets. Simply click, chat or talk to get going.

YOUR PERSONAL AI SQUAD

Coach — talk to your money Ask anything, anytime. "Can I afford this?" Coach reads your real transactions and gives you a straight answer — no jargon, no upsell.

Sage — forecasts and budgets that fit your life Monthly forecasts, goals and budgets built around your actual income and spends, not a generic template. Sage tracks progress weekly.

Ace — your ¢Score, explained A real-time financial health score across 6 dimensions — cash flow, debt, savings, spending, stability, growth. Ace tells you exactly what to focus on next.

Warden — watches your debt Real credit limits, real interest costs, and an alert before a balance quietly costs you more.

Sentry — catches the leaks Forgotten subscriptions, surprise charges — flagged before they become a habit.

Clerk — your receipts get organized and become smarter Snap a photo and Clerk extracts merchant, items, totals, and tax — so refunds, offers, discounts never slip through.

Centiv supports household finance — invite a partner and see your money together. Shared insights, individual privacy.

LIVE YOUR LIFE — CENTIV HANDLES THE MONEY SIDE Centiv supports your choices and adds context. You set your life's financial focus and change that at anytime. Centiv adjusts to your life choices, maximizing your potential.

Free Plan - Free forever with one bank connection and unlimited accounts Premium - Unlimited bank connections and accounts Household - Premium + 1 partner user

PRIVACY & SECURITY Bank connections are read-only across 10,000+ US banks and credit unions. Bank-grade encryption, no stored credentials, no AI training on your data. Your data is yours. Delete and disconnect on one-click. GDPR and CCPA compliant.

Privacy policy: centiv.app/privacy