Simple plans. All 6 agents included.

Get the full Centiv experience on one linked bank account — perfect to try the app with real data.

• ✓All 6 AI agents (Coach, Sage, Scout, Warden, Sentry, Clerk)
• ✓Unlimited AI conversations
• ✓¢Score overall score
• ✓Weekly Money Persona
• ✓"What If" financial simulator
• ✓Subscriptions & receipts intelligence
• ✓1 linked bank account synced (single account)
• ✓Weekly spending insights & budget alerts

No credit card · Upgrade to Premium anytime

Unlimited accounts, full ¢Score, household sharing, and investment tracking.

• ✓Everything in Freemium
• ✓Unlimited linked accounts & banks
• ✓Full ¢Score breakdown (6 dimensions + history)
• ✓Household Mode (partner & roommate sharing)
• ✓Investment tracking
• ✓Daily spending insights
• ✓Real-time Money Persona updates

15-day free trial · Cancel anytime

What are the 6 AI agents?

Coach answers your money questions in plain language. Sage builds and monitors your budget and goals. Scout tracks your ¢Score financial health. Warden flags unusual spending and identifies money leaks. Sentry uses AI to detect every subscription and recurring charge — even the ones you forgot about. Clerk scans your receipts with AI to track returns, warranties, tax deductions, and spending patterns. All six run automatically in the background.

Is my financial data safe?

Yes. Centiv connects to your accounts via Plaid — your bank credentials never touch our servers. All data is encrypted at rest with AES-256 and in transit via TLS. We operate a Zero Trust architecture and your data is never sold or shared.

What banks are supported?

Centiv connects to 10,000+ US financial institutions via Plaid, including Chase, Bank of America, Wells Fargo, Citi, Ally, and most credit unions. If your bank supports online banking, it almost certainly works.

Can I cancel anytime?

Absolutely. Cancel from the app or your account page. You keep Premium access until the end of your billing period, with no penalties.

What is ¢Score?

¢Score is Centiv's real-time financial health score — a 0–100 number across 6 dimensions: cash flow, debt burden, savings rate, spending efficiency, income stability, and financial engagement. Scout monitors it daily and tells you exactly how to improve it.

What is Household Mode?

Household Mode (Premium) lets you share your financial picture with a partner or roommate. Set a Captain and Member. See shared spending, split goals, and get crew-level insights — without losing individual privacy.

Do you offer a student discount?

Not yet, but it's on the roadmap. Start your free trial and we'll notify you when it's available.