Centiv AI: Budget & Save Money
In-app purchases
Everyone
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10+
Downloads
About this app
Get more from your money — without giving it any of your time. Centiv is your AI-powered personal finance app that helps you budget, save, and track expenses, subscriptions, investments, and net worth — all on autopilot. Centiv is GDPR and CCPA compliant, your data is safe and secure.
Most personal finance apps are dashboards you have to check. Centiv is a crew that checks for you. Connect your bank in minutes and your AI advisors get to work — watching every dollar 24/7, tracking bills, flagging savings opportunities, and telling you exactly where you stand on your path to financial freedom.
Meet your Crew — 7 AI advisors working for you
Coach — ask "Can I afford this?" and get a straight answer based on your real transactions. Chat or talk by voice, any time.
Sage — budgets and savings goals built around your real income and expenses. Your roadmap to debt free living.
Ace — tracks your ¢Score, your personal financial health across 6 dimensions: cash flow, debt, savings, spending, stability, and growth.
Warden — watches your debt, interest drain, and credit usage so you can track and reduce what you owe.
Sentry — finds every subscription you forgot, flags surprise or duplicate charges, and catches bill increases before they drain your budget.
Clerk — scans receipts and tracks returns, warranties, and tax deductions to protect every dollar you spend.
Max — informs you which credit card to use for what purchase to maximize rewards. Tracks your credit card rewards and all perks.
Why people love Centiv
Talk to your money — real answers from your real transactions, not generic personal finance advice.
¢Score — a 0–100 financial health score across savings, debt, net worth, spending, and more. Like a credit score but built for how you actually live.
"What If" Simulator — model debt payoff, savings goals, or income changes and see the impact on your net worth before you commit.
AI subscription detection — track, manage, and cancel what's quietly draining your budget.
Bill & expense tracking — stay on top of every bill, recurring expense, and spending category in one place.
Investment tracking — monitor your investments alongside savings, debt, and net worth for a complete financial picture.
Surprise-charge alerts — catch unusual or duplicate charges early and protect your savings.
Your data, protected
Read-only access — Centiv cannot move or spend your money. Personal identifiers are stripped before any AI sees your data, and it's never used to train AI models. AES-256 encryption across 10,000+ US and Canadian banks.
Simple pricing
Free forever — all 6 AI advisors, your ¢Score, subscription detection, budget tracking, and receipt scanning on one connected bank. No credit card. Upgrade to Premium for unlimited banks, full net worth tracking, investment tracking, full ¢Score history, and voice control.
Download Centiv today. Budget smarter, save more, track everything, and take the first step toward financial freedom.
Most personal finance apps are dashboards you have to check. Centiv is a crew that checks for you. Connect your bank in minutes and your AI advisors get to work — watching every dollar 24/7, tracking bills, flagging savings opportunities, and telling you exactly where you stand on your path to financial freedom.
Meet your Crew — 7 AI advisors working for you
Coach — ask "Can I afford this?" and get a straight answer based on your real transactions. Chat or talk by voice, any time.
Sage — budgets and savings goals built around your real income and expenses. Your roadmap to debt free living.
Ace — tracks your ¢Score, your personal financial health across 6 dimensions: cash flow, debt, savings, spending, stability, and growth.
Warden — watches your debt, interest drain, and credit usage so you can track and reduce what you owe.
Sentry — finds every subscription you forgot, flags surprise or duplicate charges, and catches bill increases before they drain your budget.
Clerk — scans receipts and tracks returns, warranties, and tax deductions to protect every dollar you spend.
Max — informs you which credit card to use for what purchase to maximize rewards. Tracks your credit card rewards and all perks.
Why people love Centiv
Talk to your money — real answers from your real transactions, not generic personal finance advice.
¢Score — a 0–100 financial health score across savings, debt, net worth, spending, and more. Like a credit score but built for how you actually live.
"What If" Simulator — model debt payoff, savings goals, or income changes and see the impact on your net worth before you commit.
AI subscription detection — track, manage, and cancel what's quietly draining your budget.
Bill & expense tracking — stay on top of every bill, recurring expense, and spending category in one place.
Investment tracking — monitor your investments alongside savings, debt, and net worth for a complete financial picture.
Surprise-charge alerts — catch unusual or duplicate charges early and protect your savings.
Your data, protected
Read-only access — Centiv cannot move or spend your money. Personal identifiers are stripped before any AI sees your data, and it's never used to train AI models. AES-256 encryption across 10,000+ US and Canadian banks.
Simple pricing
Free forever — all 6 AI advisors, your ¢Score, subscription detection, budget tracking, and receipt scanning on one connected bank. No credit card. Upgrade to Premium for unlimited banks, full net worth tracking, investment tracking, full ¢Score history, and voice control.
Download Centiv today. Budget smarter, save more, track everything, and take the first step toward financial freedom.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
App support
About the developer
HIGH FIVE CREATIONS LLC
support@centiv.app
898 S State St Ste 310 # 5885
Orem, UT 84097-7045
United States
+1 801-245-0272
