✦Available on iOS & Android

Own your money.

Your money doesn't sleep. Neither does your team.

Introducing your crew

Coach

Ask anything about your money. Get straight, honest answers in plain language — no judgment, anytime.

Sage

Builds budgets and savings goals around your real income — and keeps you on track week after week.

Scout

Tracks your financial health score across 6 dimensions and shows you exactly how to improve.

Warden

Spots unusual spending, identifies money leaks, and extracts intelligence from your receipts.

Sentry

Uses AI to detect every subscription and recurring charge — and flags overlaps and surprises.

Clerk

Scans your receipts with AI to track returns, warranties, tax deductions, and spending — all organized automatically.

They work for you — 24/7.

App Store Google Play See pricing

15-day free trial · No credit card required

Inside the app

Get started in seconds

How it works

Up and running in under 2 minutes.

Connect your banks

Link your accounts in under a minute. Read-only access across 10,000+ US financial institutions. Your credentials never touch our servers.

Your crew gets to work

5 specialized AI agents analyze your transactions, score your health, build your budget, and monitor your subscriptions — all in the background.

Win with your money

Clear answers. Smart alerts. A real plan. Centiv turns the noise of your finances into momentum — so you stop reacting and start winning.

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10,000+

US financial institutions

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AES-256

Encryption at rest

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Read-only

We never move your money

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Zero Trust

Architecture

✂️

Anytime

Disconnect & delete

What you get

Not another budgeting app.

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¢Score — Financial Health Score

A real-time score across 6 dimensions: cash flow, debt, savings, spending, stability, and growth. Like a credit score, but built for how you actually live — and Scout tells you how to improve it.

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Talk to Your Money

"Can I afford this?" "Where did my paycheck go?" Just ask. Coach reads your real transactions and gives you a straight, honest answer in plain language — any time, any question.

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Budgets That Actually Work

Sage builds a Needs / Wants / Savings framework around your real income. Weekly check-ins, overage alerts, and spending summaries that keep you on track — without the spreadsheet.

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Smart Goals & Savings

Set a savings goal, link it to a timeline, and Sage tracks every contribution. Hit 25%, 50%, 75%, 100% — you'll know. Emergency fund, vacation, down payment — all in one place.

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"What If" Simulator

What if I paid off my credit card? What if I got a raise? Run real scenarios on your real financial picture. See the ripple effect before you commit.

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Your Financial Pulse, by AI

Every morning: net worth snapshot, spending vs. budget, upcoming bills, and any overnight changes. No noise — just what matters right now.

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AI-Powered Subscription Detection

Sentry scans your transaction history using AI to automatically identify every subscription and recurring charge — even the ones you forgot about. See exactly where your money goes each month.

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Receipt Intelligence

Snap a photo or upload a receipt and AI extracts every detail — merchant, items, totals, and tax. Never miss a deal, catch pricing errors, and uncover savings you didn't know you had.

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Add a Partner

Share your financial view with a partner or spouse. One person leads as Captain, the other joins as a Member — same household, shared visibility, and a unified picture of your money together.

Simple pricing