CentsCheck
In-app purchases
Everyone
info
10+
Downloads
About this app
Confucius said: "He who will not economize will have to agonize." CentsCheck revives that ancient wisdom: simple, private spend tracking that helps you take control.
Log transactions in seconds. Spot patterns, set limits, and let small, mindful choices add up — all privately, offline-first, with optional cloud sync that encrypts your personal spending fields on your device.
Why Choose CentsCheck?
1. Safe-to-Spend — Completely Free
See exactly how much you can spend today (or this week) without breaking your budget, calculated from your real income, fixed bills, and what's already spent. Forecast-to-payday shows where you'll land — and a tap opens the actual math, line by line. No guesswork, no paywall.
2. Quick, Frictionless Entry
Floating action button, smart calculator input, snap receipts to auto-fill, notes, and one-tap categorization. Log from your phone, or keep Safe-to-Spend on your home screen with the widget.
3. Categories That Fit Your Life
Carefully chosen starter categories, plus room for your own. Pro unlocks up to 40 expense, 15 income, and 15 investment categories with full renaming, archiving, and editing.
4. Flexible Budgets & Savings Goals
Set budgets per category, mark Fixed and One-time bills so they don't skew your daily pace, and track progress with clean bars. Pro users create up to 15 savings goals (vs. 3 free).
5. Pools: Shared Expenses Done Fairly
Split costs with friends, roommates, partners, or trips. Easy invite codes, real-time balances, pool Safe-to-Spend, and automatic personal budget sync. Equal and exact splits are free; percentage and share splits, settlements, and pool budgets come with Pro. Join unlimited pools free.
6. CentsCheck Business — Your Small-Business Cockpit
A separate plan for freelancers and small teams: revenue, expenses, and profit at a glance, per-client P&L, invoice tracking with due-date reminders, custom fiscal year, profit set-aside and distributions, and a Business Pack export (P&L PDF, CSV, receipts) your accountant can use as-is. Runs on your phone and the web cockpit at app.centscheck.com.
7. Money Briefs & Clear Insights — No Fluff
Spending trends, category breakdowns, unusual-spending alerts, and Money Briefs delivered as private notifications. Free users get monthly summaries; Pro gets weekly briefs and shareable reports.
8. CentsCheck AI Link — Your Finance Assistant
Connect the AI assistant you already use, such as ChatGPT or Claude. Asking questions is free and unlimited; logging and fixing transactions includes 25 free actions a month, unlimited with Pro. Your AI can propose budget plans, and nothing changes until you approve it in the app. You grant access, every action is logged, and anything can be undone.
9. Investment Portfolio (Pro)
Track stocks, ETFs, and crypto with current market prices, integrated with transaction logging and your cashflow chart.
10. Private by Design
Your data stays on your device. Optional sign-in adds cloud backup and sync, with your personal spending fields encrypted on your device before they upload. No ads, no data selling.
No forced subscriptions. No data sold. Honest tools to spend smarter today and grow mindfully for tomorrow.
Privacy Policy: https://centscheck.com/privacy
Log transactions in seconds. Spot patterns, set limits, and let small, mindful choices add up — all privately, offline-first, with optional cloud sync that encrypts your personal spending fields on your device.
Why Choose CentsCheck?
1. Safe-to-Spend — Completely Free
See exactly how much you can spend today (or this week) without breaking your budget, calculated from your real income, fixed bills, and what's already spent. Forecast-to-payday shows where you'll land — and a tap opens the actual math, line by line. No guesswork, no paywall.
2. Quick, Frictionless Entry
Floating action button, smart calculator input, snap receipts to auto-fill, notes, and one-tap categorization. Log from your phone, or keep Safe-to-Spend on your home screen with the widget.
3. Categories That Fit Your Life
Carefully chosen starter categories, plus room for your own. Pro unlocks up to 40 expense, 15 income, and 15 investment categories with full renaming, archiving, and editing.
4. Flexible Budgets & Savings Goals
Set budgets per category, mark Fixed and One-time bills so they don't skew your daily pace, and track progress with clean bars. Pro users create up to 15 savings goals (vs. 3 free).
5. Pools: Shared Expenses Done Fairly
Split costs with friends, roommates, partners, or trips. Easy invite codes, real-time balances, pool Safe-to-Spend, and automatic personal budget sync. Equal and exact splits are free; percentage and share splits, settlements, and pool budgets come with Pro. Join unlimited pools free.
6. CentsCheck Business — Your Small-Business Cockpit
A separate plan for freelancers and small teams: revenue, expenses, and profit at a glance, per-client P&L, invoice tracking with due-date reminders, custom fiscal year, profit set-aside and distributions, and a Business Pack export (P&L PDF, CSV, receipts) your accountant can use as-is. Runs on your phone and the web cockpit at app.centscheck.com.
7. Money Briefs & Clear Insights — No Fluff
Spending trends, category breakdowns, unusual-spending alerts, and Money Briefs delivered as private notifications. Free users get monthly summaries; Pro gets weekly briefs and shareable reports.
8. CentsCheck AI Link — Your Finance Assistant
Connect the AI assistant you already use, such as ChatGPT or Claude. Asking questions is free and unlimited; logging and fixing transactions includes 25 free actions a month, unlimited with Pro. Your AI can propose budget plans, and nothing changes until you approve it in the app. You grant access, every action is logged, and anything can be undone.
9. Investment Portfolio (Pro)
Track stocks, ETFs, and crypto with current market prices, integrated with transaction logging and your cashflow chart.
10. Private by Design
Your data stays on your device. Optional sign-in adds cloud backup and sync, with your personal spending fields encrypted on your device before they upload. No ads, no data selling.
No forced subscriptions. No data sold. Honest tools to spend smarter today and grow mindfully for tomorrow.
Privacy Policy: https://centscheck.com/privacy
Expense tracker & budget app. Know what's safe to spend today. No bank linking.
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.
- No data shared with third partiesLearn more about how developers declare sharing
- This app may collect these data typesPersonal info
- Data is encrypted in transit
- You can request that data be deleted
What’s new
• Setup now shows your Safe-to-Spend number updating live as you enter your pay and bills.
• The rent-and-bills figure from setup now sits in its own "Fixed bills" budget instead of under Rent. Add a budget for one of those bills later and it comes out of that figure instead of being counted twice.
• Fixed: adding an expense with an older date no longer makes your Safe-to-Spend number jump up during your first month.
• The rent-and-bills figure from setup now sits in its own "Fixed bills" budget instead of under Rent. Add a budget for one of those bills later and it comes out of that figure instead of being counted twice.
• Fixed: adding an expense with an older date no longer makes your Safe-to-Spend number jump up during your first month.
App support
About the developer
LAM KAH MUN
7amonad3@gmail.com
47 Normanton Park
Singapore 119028
