AI engine
Advanced cloud models
The assistant runs on advanced cloud models, reached only through Centmond's own secured backend.
Now in TestFlight
Your money, intelligent and private.
AI-assisted personal finance for iPhone, Mac & web. Track accounts, budgets, subscriptions, and goals, with an AI assistant that answers from your real numbers.
No tracking. No ads. Your data is never sold.
Why you can trust it
Built like a bank, owned like a notebook — your money data stays yours.
- RLS
- Row-level security — the assistant only ever reads your own data.
- Bank-grade
- AES-256 field encryption, EU-hosted, RLS-isolated.
- Zero ads
- No tracking, no selling your data. Ever.
- iPhone & Mac
- One private account, synced across your devices.
The assistant
An assistant that actually understands your money
Ask anything about your finances in plain language. Centmond's assistant reads your real data and answers with your actual numbers, shown as rich colour-coded cards. Available in the web app today, coming to iPhone and Mac.
Grounded in your money
It reads your real transactions, budgets, subscriptions, and savings goals, then answers with your actual numbers, not generic tips you could find anywhere.
Answers you can see
Every reply comes with rich colour-coded cards: spending breakdowns, subscription lists, goal progress. You read the numbers, not a wall of text.
Only what you ask
It runs on advanced cloud models through Centmond's own secured backend. Only the specific data your question needs is sent, never your whole account, and every query is row-level-security scoped to you.
Read-only today, hands-on soon
Right now it safely looks things up and never changes anything. Soon it will do tasks for you, like adding a transaction or setting a budget, with your confirmation.
Engine: Advanced cloud models
Available: Web now · iOS & Mac soon
Mode: Read-only (actions coming)
Grounded in: Your real numbers
Sells your data: Never
Ask anything
Questions you can just ask out loud
Type a question in plain language and the assistant answers with your actual numbers, pulled from your real transactions, budgets, subscriptions and goals, and laid out as clear colour-coded cards.
Spending & income
- “Where does most of my money go?”
- “How much did I spend last month?”
- “Compare this month to last.”
Subscriptions
- “What am I paying for?”
- “How much is that per year?”
- “Which are on a trial?”
Budgets & goals
- “Which budgets am I over on?”
- “How are my savings goals?”
- “How much do I have left this month?”
Every answer is grounded in your own data and shown as rich, colour-coded cards. The assistant is available in the Centmond web app today, with the iPhone and Mac apps coming next. It is read-only for now, so it looks things up but never changes anything, with hands-on actions on the way.
Budgeting
A budget you'll actually stick to
Most budgets fail because they only tell you what already happened. Centmond watches your pace in real time and tells you what to do next, before you overspend.
Budgets that match how you actually spend
Pick from suggested category groups or build your own envelopes. Monthly, weekly, or rolling. Centmond adapts to your rhythm.
Alerts before you breach
Centmond projects the rest of the month from your current pace and warns you days before a category goes red. No surprises on the 30th.
AI powered budget rescue
Over budget? Centmond's AI suggests concrete cuts (which subscriptions to pause, which categories to trim) based on your actual habits.
Roll overs and shared budgets
Carry leftover budget into next month, share envelopes with household members, and track joint spending without merging accounts.
Subscriptions
Find every recurring charge. Cut what you do not use.
Centmond watches your transactions for recurring patterns and surfaces every subscription you are paying for. The AI explains why each one looks recurring, scores its confidence, and waits for your call before adding anything.
Auto detection from your transactions
Centmond scans your spending for recurring patterns and proposes subscription candidates. Streaming services, gym memberships, software trials, that newsletter you forgot about: each gets surfaced with the cadence and the next expected charge.
Confidence and reasoning
Every detected subscription is scored. You see how confident the AI is that something is a real recurring charge, and you can review or reject before anything is created. No silent guesses.
Lifecycle and trial alerts
Active, trial, paused, cancelled. Each state is tracked separately so a free trial does not quietly turn into a paid subscription. Get notified before renewals so you never get billed by accident.
Monthly and annual cost truth
Centmond rolls everything up: monthly total, annual total, and what is coming in the next 30 days. The 9.99 a month subscription you stopped using is shown for what it actually is: 120 a year.
Categories & Accounts
Structure that does the work for you
Categories, recurring cash flows, and connected accounts. The quiet machinery that keeps every budget, report, and net worth number honest, without the busywork.
Color-coded by design
Built-in categories each carry their own color and icon. Rename them, recolor them, or invent your own. They flow through every chart and report.
Auto-categorization
New transactions get sorted the moment they land, using your rules and past patterns. Fix one, and Centmond carries the lesson forward.
Every recurring flow
Salary, rent, loans, subscriptions. Track anything that repeats on a weekly, monthly, or custom cadence, with the next occurrence always in view.
Accounts, your way
Link banks for automatic sync or add accounts manually. Either way, balances roll up into one honest net worth number.
Net Worth & Reports
The whole picture, in one place
Beyond budgets and transactions. Centmond tracks your real net worth and turns months of data into reports you'll actually use.
Net worth at a glance
Watch your trend over 1M, 3M, 6M, 1Y, or All. With debt ratio, total assets, and total liabilities front and center.
Asset and liability mix
See where your wealth actually lives. Checking, savings, investments, and what you owe, side by side.
Heatmaps that show your year
Category performance month by month, with over budget months highlighted. Spot the patterns no spreadsheet can.
Export anywhere
PDF, CSV, Excel. Clean exports ready for tax season, your accountant, or your own archives. Privacy preserved.
By the numbers
Smart about your money, honest about your data.
0
Setup steps
No model to download or configure — open the assistant and ask.
0
Areas it understands
Spending, income, budgets, subscriptions, and savings goals.
0%
Grounded in your data
Every answer uses your real numbers and merchants, not generic advice.
0
Data we sell
None — only what you ask about is sent, just to answer you.
Features
Everything money, nothing extra.
Tap any feature to see how it works in detail.
No crypto upsells. No ads. No dashboard you open once and forget. Every feature here earns its place in how you manage money.
No bloat
On the web
Built for the browser
Centmond runs entirely in your browser. Instant access from any computer, nothing to install, and your whole financial life one login away. Native Mac and iPhone apps are on the way.
Runs in any browser
Open Centmond on any computer. Nothing to install, nothing to update, always the latest version with your data one login away.
Native apps coming
Dedicated Mac and iPhone apps are in the works, each designed for its device. The web is your home base today.
Same data everywhere
Your accounts, budgets, and AI memory stay in sync across the web and the native apps to come, encrypted in transit and at rest.
Privacy
Your money is yours.
We made sure of it.
Most finance apps treat your data as a product. Centmond's architecture makes that impossible by design.
No ads. No trackers. No data brokers. Your transactions stay encrypted and EU-hosted — never sold, never shared.
Private by architecture
Cloud apps
Centmond
AI assistant
Cloud appsReads everything
CentmondRead-only, scoped to you
AI queries
Cloud appsYour whole account
CentmondOnly what the answer needs
Transaction data
Cloud appsIndexed for ads
CentmondEncrypted, yours
Your data
Cloud appsSold to partners
CentmondNever sold, EU-hosted
AI assistant · Encrypted & EU-hosted · No third-party trackers
Theming
Three modes, all dialed in.
Light, Dark, and a true black OLED mode for nighttime use. Every surface tuned for AA contrast. Click any mode below to apply it across the whole site.
Light keeps daytime dashboards crisp, Dark eases long sessions, and OLED goes fully black to save power and cut glare — each one contrast-checked, not just recolored.
Tuned, not recolored
Centmond Dashboard
Net worth
$48,210
This month
+$1,820
Budgets
4 / 5 on
Recent activityAI sorted
Whole Foods
Groceries
−$48.20
Spotify
Subscriptions
−$10.99
Payroll
Income
+$3,200
Built with
The best of the platform, honestly chosen.
No proprietary black boxes. Every part of Centmond is a tool we picked because they're fast, native where it counts, and honest about your data.
Security
Row-level security
Every query is scoped to you — the assistant can only ever read your own data.
Interface
SwiftUI
Native UI on iPhone and Mac.
Language
Swift
The language behind every screen.
Vision
Apple VisionKit
Receipt scanning and parsing.
Storage
SwiftData
Local persistence on every device.
Sync
Supabase
Encrypted in transit and at rest, scoped to you by row-level security.
Silicon
Apple Silicon
Tuned for M-series and A-series chips.
Why we built this
“Every finance app I tried wanted to know everything about my money, and then sell that knowledge back to me, or to advertisers, or to someone else. I wanted the opposite: a tool that understands my money completely, but tells no one. So we built Centmond, with an assistant that reads your real numbers to answer you, sends only what your question needs, and never sells your data.”
Mani
Founder, Centmond
TestFlight is openTry Centmond,
Try Centmond,
before everyone else.
Join the TestFlight beta on iPhone and Mac. Help shape the launch.
iOS 17+ · macOS 14+
FAQ
Questions, answered
The honest details. If something isn't covered here, write to us and we'll add it.
Centmond has a built-in AI assistant in the web app. Ask anything about your finances in plain language and it answers with your actual numbers, shown as rich colour-coded cards. It runs on advanced cloud models, reached only through Centmond's own secured backend, and when you ask a question only the specific data that question needs is sent to generate the answer — never your whole account. We never sell your data.
Centmond also covers more ground in one app: accounts, budgets, subscriptions, recurring detection, goals, household splits, net worth, forecasting, and reports. You do not need three apps to manage one financial life.
Centmond also covers more ground in one app: accounts, budgets, subscriptions, recurring detection, goals, household splits, net worth, forecasting, and reports. You do not need three apps to manage one financial life.
The assistant is read-only today: it looks things up and answers, it cannot change anything. Every query it runs is row-level-security scoped to you, so it can only ever read your own data. When you ask a question, only the specific data that question needs is sent to our AI provider to generate the answer — never your whole account.
Using the assistant is entirely optional — you choose when to use it. Your data is encrypted in transit and at rest, EU-hosted, and we never sell it.
Using the assistant is entirely optional — you choose when to use it. Your data is encrypted in transit and at rest, EU-hosted, and we never sell it.
No. It's built into the Centmond web app — open it and ask in plain language. There's nothing to download or configure.
No, it's optional — every other feature works without it. Accounts, transactions, budgets, subscriptions, recurring detection, goals, household, net worth, forecasting, and reports all run normally whether or not you ever use the assistant.
The assistant adds a conversational layer on top: ask about your transactions, income, spending, budgets, subscriptions, savings goals, or net worth and it answers with your real numbers. Taking actions, with your confirmation, is coming.
The assistant adds a conversational layer on top: ask about your transactions, income, spending, budgets, subscriptions, savings goals, or net worth and it answers with your real numbers. Taking actions, with your confirmation, is coming.
Your accounts, budgets, transactions, and household data sync through an encrypted backend so you can pick up where you left off on either device. Data is encrypted in transit and at rest, EU-hosted.
Centmond is free during the TestFlight beta. After public launch the core app stays free, and a small set of advanced features will move into a paid plan.
We will give clear notice before any feature changes price, and TestFlight beta users will be considered for grandfathered pricing as a thank you for helping us shape the launch.
We will give clear notice before any feature changes price, and TestFlight beta users will be considered for grandfathered pricing as a thank you for helping us shape the launch.
Centmond runs on iPhone with iOS 17 or newer, and Mac with macOS 14 or newer.
The AI assistant is in the web app today, so it works in any modern browser. AI is coming to iPhone and Mac next.
The AI assistant is in the web app today, so it works in any modern browser. AI is coming to iPhone and Mac next.
Sign in on the new device and your accounts, budgets, transactions, and household data restore from sync automatically. There's nothing extra to download or set up.
No lock in. The Reports section exports to PDF, CSV, and Excel. You can take your data anywhere at any time. Your finances are yours.
Still have questions? Email mani.scs.gh@gmail.com.