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- Skipped the monthly target during setup? CentsCheck sends one reminder the next day. Tap it to open Home and set one. - Your daily number can now run from payday to payday. Paid weekly, every two weeks, twice a month or every four weeks? Turn it on in Settings > Payday. Monthly stays the default. - No monthly target yet? Home suggests one to start from. Accept it in one tap, or change it.
Daily budget & expense tracker. See what's safe to spend today. No bank login.
Finally know what you can spend today. CentsCheck is a simple daily budget planner and expense tracker. It gives you one number for today, the amount you can safely spend. It takes your fixed bills and what you have already spent off your monthly budget, then spreads the rest over the days left in your budget month. Log a purchase and the number updates. Tap it to see the calculation, line by line. Works with your AI agent Connect an AI assistant such as Claude, Grok or Cursor to CentsCheck with AI Link, free. Tell it what you spent, send it a photo of a receipt, or ask how your month is going. It logs the spend in CentsCheck and answers from your real numbers, and it can change entries when you ask. Every entry it adds carries an AI badge, you can undo an action within five minutes, and a full budget plan waits for your approval in CentsCheck. Disconnect any time. Take control of your spending without linking your bank. You log each purchase yourself in seconds, so CentsCheck never asks for your bank login. Use it as an easy money manager for your salary, allowance or cash spending. Track expenses, plan bills and grow your savings without spreadsheets. No account linking. No ads. No data selling. Sign-in is optional. Free features stay free. Free - Safe-to-Spend, your daily number, and the calculation behind it. - AI Link: log, ask and plan through your AI assistant. - Forecast to payday shows where you will land at your current pace, once you set your payday. - Opt in to a Morning Check notification with today's number and a button to log a spend. - See your number on a home screen widget without opening the app. - Log in seconds with the built-in calculator, plus a monthly allowance of free receipt scans. - A weekly Money Brief with your spending against budget, your top categories and one trend. - Budgets per category, with fixed bills kept out of your daily pace. - Up to 3 savings goals. - Shared Pools for trips, housemates and partners, with invite codes, live balances and your share synced to your personal budget. Equal and exact splits are free, and you can join as many pools as you like. Pro - Up to 40 expense, 15 income and 15 investment categories, with renaming and archiving. - Up to 15 savings goals. - Full spending signals, budget and unusual-spending alerts, and a shareable PDF of your weekly brief. - An investment portfolio for stocks and crypto, with market prices. - Percentage and share splits, settlements and budgets in Shared Pools. - Unlimited receipt scans. Private by design CentsCheck works offline, and sign-in is optional. When the app backs up your data to our servers, it encrypts personal spending fields on your phone first. That protects them in storage. It isn't end-to-end encryption, so if you connect AI Link, our server decrypts what your agent asks for. CentsCheck Pro is optional, as a monthly or yearly subscription or a one-time Lifetime purchase. The app shows the price and any free trial before you buy. Privacy Policy: https://centscheck.com/privacy