GoalCents: Household Money

Your finances, finally organized. Track retirement contributions, split costs across the household, scan receipts on device, and watch your net worth grow. No bank links.

GoalCents tracks the money a bank feed cannot see, for one person or a whole household. Contribution room for every registered account you hold, per member and per year. Shared costs split by percentage. Budgets and goals scoped to one person or everyone.

It is manual entry on purpose: nothing is connected, nothing is scraped, and every number in the app is one you put there. Receipts are read by your phone and never sent anywhere.

WHAT YOU CAN DO

• Track registered contribution room per member so you know what is left
• Split shared expenses across household members by percentage
• Track every account: chequing, savings, credit, cash, and investments
• Log transactions fast with categories and vendors
• Set monthly budgets per category and see what is left at a glance
• Create savings goals and track contributions toward each one
• Add recurring bills and income so nothing slips through the cracks
• Capture monthly net worth snapshots and watch the trend
• See investment returns broken down by account and period
• Get plain-language insights into where your money goes
• Handle multiple currencies with daily exchange rates

SCAN A RECEIPT, IMPORT A STATEMENT Point the camera at a receipt and GoalCents fills in the vendor, amount and date, then keeps the picture in a private vault for returns and warranties. Have a screenshot of your bank or card statement? Import every row on it at once. The reading happens on your device, not on a server.

LOG FROM ANYWHERE, IN ONE TAP Home Screen and Lock Screen widgets, Control Center, Siri and Shortcuts all log your usual expenses without opening the app. Share a receipt or a bill to GoalCents from any other app and it is waiting for you.

AN APP THAT LEARNS YOUR MONEY GoalCents spots charges that repeat and offers to turn them into a recurring bill, remembers which category a vendor belongs to, and warns you before you log the same thing twice. It suggests; you decide.

MOVES WORTH MAKING The Advisor ranks what to do with your money right now, each card showing a dollar figure and the arithmetic behind it: which debt to clear first, what a subscription price rise is costing you, which budget is about to break. Try a purchase or an extra payment in the What if sandbox before you commit. The Debt Payoff planner works out the monthly number to clear a card in time, promo rates included.

REMINDERS THAT EARN THEIR PLACE Bill reminders, budget alerts, cash crunch warnings, goal deadlines, a weekly recap, each one switchable on its own. Everything also lands in an inbox, so nothing is lost to a dismissed banner.

A HABIT, NOT A CHORE A streak counts the days you keep up, with grace days so one busy week does not wipe it out. Every month gets a money story of what changed and what you did, and every year ends with a Year in Review you can share.

PRIVATE BY DESIGN GoalCents never connects to your bank. You decide what to log, and your data stays yours. Receipts are read on your device and never sent away to be understood. Lock the app behind Face ID so your finances stay for your eyes only.

BUILT FOR HOUSEHOLDS Add members, assign transactions, and split costs. Budgets and goals can be household-wide or scoped to a single person.

YOUR DATA, EXPORTABLE Export everything to CSV anytime and open it in Numbers, Excel, or Google Sheets. No lock-in.

Track every dollar. Hit every goal.