Now in private beta

A budget that
balances itself.

Cent reads your account balances, sorts every charge, and gives every dollar you have a job. Zero-based budgeting, without the spreadsheet.

Join the waitlist → See how it works

Free at launch · No card · iOS & Android

Cash on hand
May 24

Accounts

Chase Checking +$3,240.00
Ally Savings +$6,500.00
Apple Cash +$120.00
Chase Sapphire cc −$220.00
Amex Gold cc −$120.00
Available $9,520.00

Every dollar, assigned

8 categories

  • Rent$1,400.00
  • Groceries AI $480.00
  • Utilities$180.00
  • Transportation$260.00
  • Dining out AI $180.00
  • Emergency fund$4,200.00
  • Vacation$1,400.00
  • Buffer AI $1,420.00

The method

Zero-based budgeting, applied to what you actually have.

Give every dollar a job — across checking, savings, minus what you owe on cards — until the unassigned column reads exactly $0.00. No surplus drifting toward whatever's closest. Cent does the math the moment your balances change.

Without it

  • —Open a spreadsheet on Sunday night
  • —Categorize 200 transactions by hand
  • —Re-do the math every time a charge posts
  • —Quit by Wednesday

With Cent

  • ✓Open the app on Sunday morning
  • ✓Transactions arrive already sorted
  • ✓Every dollar across your accounts already has a place
  • ✓Ask "can I afford this?" before you spend

What the AI does

Three jobs. All quietly, in the background.

01

Sorts every transaction.

Each charge lands in the right category the moment it posts. Cent learns your peculiarities and corrects itself when you don't agree.

Starbucks #4421 → Coffee & dining
WHOLEFDS NYC → Groceries
UBER *TRIP 9F2 → Transportation
PATAGONIA.COM → Needs review
02

Places every new dollar.

When a paycheck lands or a charge posts, Cent proposes where the new money belongs — and where to pull from when you're short.

+$1,840 landed Cent suggests
→ Rent (Friday)+$1,400
→ Groceries+$240
→ Emergency fund+$200
Unassigned still $0.00
03

Answers the hard ones.

Ask anything in plain English. Cent reads your whole budget before answering — no generic advice, just your numbers.

you should I cancel HBO?
cent You haven't opened it in 71 days. That's $15.99/mo back into Savings.

A coach in your pocket

Ask Cent before you swipe.

The most useful financial advice isn't generic — it's whether you, with your balances, can afford this thing. Cent runs the numbers against your live budget and answers in a sentence.

  • ·Reads your full budget, not just your balance.
  • ·Suggests trade-offs, not lectures.
  • ·Never sells you a credit card.
Cent conversation
Fri · 6:42 PM
You

> can i afford $180 concert tickets for tomorrow?

Cent

Yes — but only just. You'd be borrowing $80 from Groceries, which is already 73% spent for the week.

Want me to take it from Buffer instead? You've got $240 sitting there for exactly this.

You

> and the parking? 

From install to balanced

Three steps. About four minutes.

  1. 1 ~60s

    Connect or import.

    Link your bank with read-only access, or upload a CSV. We never see, store, or move your money.

  2. 2 ~2 min

    Cent assigns every dollar.

    Account balances at the top, categories down the middle, unassigned at the bottom. Edit any line, lock the ones you trust.

  3. 3 all month

    Spend on purpose.

    Charges sort themselves. Ask Cent before a big purchase. Re-balance in a tap when life shifts.

Early access

Be on the first balanced month with us.

We're letting in a small group at a time, so the AI gets to know your patterns properly. Leave your email — we'll write when there's a real product to try.

No spam · Read-only bank connections via Plaid · Encrypted at rest and in transit