Learn Centmond, step by step

Centmond scopes every record to your own account. Your transactions, budgets, and AI memory belong to you and are encrypted both in transit and at rest. Registration takes about a minute and opens an empty dashboard ready for your first connection or import.

You can register with an email and password or a supported provider. Email signups require confirmation through a one-time link before the account activates. Nothing is charged to start, and a free tier is available.

1. 1Click Create Account in the top-right of any page.
2. 2Enter your email and a password, or select a provider.
3. 3Open the confirmation email and click the verification link.
4. 4Continue from your empty dashboard by connecting a bank or importing a CSV.

Connecting a bank lets Centmond import your accounts and transactions automatically, so your dashboard stays current without manual entry. The link is read-only: Centmond can read balances and transactions in order to organize them, but it cannot move money.

Banks are connected through the bank's own secure consent screen. You log in on the bank's site rather than inside Centmond, and the connection is limited to the access you approve. Once linked, your accounts appear under Accounts, their balances contribute to your net worth, and new transactions sync on a schedule and on demand.

Connections are regional, so select your country first to see the supported banks. Each connection has an expiry set by the bank, and Centmond reminds you before it lapses so you can renew in a single click.

1. 1Go to Accounts and click Connect a bank.
2. 2Choose your country, then search for and select your bank.
3. 3Approve access on your bank's secure consent screen.
4. 4Return to Centmond, where your accounts and recent transactions appear and begin syncing.

When a bank cannot be connected, or when you want to load years of history at once, import a CSV export. The importer works from the file itself rather than from a list of supported banks: it auto-detects the separator (comma, semicolon, tab, or pipe), handles quoted fields, and reads dates and amounts in either European or US style.

Every column it guessed can be reassigned by hand, in three groups. Required is the date and the amount. Money holds the columns that decide the sign and size of a row, separate debit and credit columns, a direction column saying in or out, a currency, and a running balance. Details covers the merchant, the note, a category or MCC printed in the file, the payment method, and a booking date to fall back on. Anything you do not want imported can be set to Skip, and the reading of dates, day first, month first, or year first, is a separate control just above them.

A live preview updates as you remap, so you can verify the data before anything is saved. Amounts in either 1.234,56 or 1,234.56 style are parsed correctly, and duplicate rows are detected, so re-importing the same file does not double up your transactions.

When your export carries a running balance column, Centmond checks the file against it before importing: every row's balance change has to equal that row's amount. A file that fails that check is not blocked, but it does have to be answered. You are told how many checks failed and which row broke first, and the Import button stays switched off until you tick a box confirming you have looked at the preview and want to go ahead. Centmond recognises the common false alarm on its own: when every row is out by a small, consistent amount, that is a fee the balance includes and the amount column does not, and it is reported as such rather than blocking you. What you are being asked about is the other kind, a wrong separator or a flipped sign, far easier to catch here than weeks later in your totals.

1. 1Open Settings, then Data, and choose your CSV.
2. 2Correct any column it read wrongly, using the live preview to verify.
3. 3Confirm the date order, and answer the balance warning if one appears.
4. 4Run the import: new transactions are added to the ledger and duplicates are skipped.

Pick a photo of a receipt the same way you pick a CSV, and Centmond reads it in your browser. The reading happens on your own machine, and by default all that reaches us is the handful of details you confirm on screen. The confirm screen also offers to keep the photo with the transaction: that box is off unless you turn it on, and ticking it stores one copy privately in your account, where only you can open it. The first receipt takes a moment longer while the reader loads.

Centmond looks for what the receipt says, not for the biggest number on it. It finds the line labelled SUMME, TOTAL or GESAMT, and it ignores the cash you handed over and the change you got back, which is why a receipt showing 20,00 tendered against an 11,80 purchase still records 11,80. Each field shows where it was read from and how sure the reading is, and every one of them is editable before you save.

The items are listed so you can check the total against the paper at a glance. They are shown and not stored: once you save, only the transaction remains.

1. 1On the Transactions page, click Scan receipt.
2. 2Drop in a photo, or choose one, several at once is fine.
3. 3Check the merchant, date and total, correcting anything marked unsure.
4. 4Save. The receipt becomes a transaction straight away.

A card purchase reaches your bank a day or two after you make it, so a receipt you scan on Tuesday and the charge that posts on Thursday are the same money arriving twice. Centmond counts the receipt straight away, so the spend is never invisible, and then folds it into the bank row when that lands.

The surviving row keeps the bank's own date, the one your statement shows, and takes the time of day from your receipt, which the bank feed does not carry. It also takes the shop's printed name and its category if the bank did not supply them. The receipt row retires into it, so your totals count the purchase once.

Nothing is lost. The retired row is in Deleted transactions, and restoring it undoes the match. Centmond only merges when the amount and currency match exactly, a tip added on the card, or a refund for the same amount, stays a separate row for you to judge.

1. 1Scan a receipt as usual; it appears in your transactions immediately.
2. 2Wait for the bank sync to bring in the card charge.
3. 3The two become one row, carrying the time from your receipt.
4. 4To undo a match, restore the receipt from Deleted transactions.

Not everything you own lives behind a bank connection. Centmond lets you create accounts manually so the full picture is represented, and each one carries a type: Bank, Cash, Savings, Credit card, Loan, or Investment.

The type matters because it decides which side of your balance sheet the account lands on. Bank, Cash, Savings, and Investment accounts count as Assets, while Credit card and Loan balances count as Liabilities and pull your net worth down. Manual accounts behave like connected ones everywhere else: they hold transactions, feed the charts, and appear in reports.

1. 1Open Accounts and click Add account.
2. 2Give it a name and pick the account type.
3. 3Enter the current balance and currency.
4. 4Save, then add transactions to it by hand or move existing ones onto it.

The dashboard is your daily overview. The top row of KPI cards shows your current balance, spending, income, and amount remaining this month, each with a sparkline and a comparison against the previous period.

Below the cards, the activity chart plots income and spending over time, with toggles for the view and the date range. Spending by category, Top merchants, and a This month vs last comparison sit alongside it, with a net-worth mini-chart and a spending forecast for the wider picture.

Centmond also displays a strip at the top when something needs attention, such as a notice that you are overspending for the month or that your balance is trending toward negative. This keeps the most important item the first thing you see.

1. 1Scan the KPI cards for this month's balance, spending, income, and remaining amount.
2. 2Use the chart's range and type toggles to explore trends.
3. 3Check Spending by category and Top merchants for where the money went.
4. 4Read the strip at the top for anything that needs action.

The Transactions page is the complete ledger of money coming in and going out. You can add a transaction by hand, edit any field inline, and recategorize in one click. Transactions are grouped by day so the list reads chronologically, and a type capsule marks each row as income, expense, or transfer.

Rows are paginated for speed on large histories, and each entry supports the details that keep records accurate: amount, merchant, category, payment method, account, date, and a free-text note.

1. 1Open Transactions and click New transaction, or click a row to edit it.
2. 2Set the amount, merchant, category, and account.
3. 3Add a note or payment method if you want the extra detail.
4. 4Save; the row appears in its day group straight away.

Clicking a transaction opens a detail sheet beside the ledger rather than navigating away, so you keep your place in the list. The sheet holds the full record: the merchant, a separate note field, the category, the account, the payment method, and the raw description your bank supplied.

Keeping merchant and note separate matters. The merchant drives grouping, avatars, and auto-categorization, while the note is yours to describe what the spend was actually for. Sheets can stack, so you can open a related record without losing the one underneath.

1. 1Click any transaction row to open its detail sheet.
2. 2Edit the merchant, note, category, or account inline.
3. 3Review the original bank description to confirm what the charge was.
4. 4Close the sheet to return to exactly where you were in the list.

Some charges do not belong to a single category. A split divides one transaction across multiple categories, so a supermarket run that included household goods reports accurately in both places instead of distorting one.

Refunds are marked so they net correctly against the original spend rather than counting as fresh income. Flags let you mark anything for follow-up, which is useful for a charge you need to query with a merchant or a receipt you still owe yourself.

1. 1Open a transaction and choose Split.
2. 2Add each category and the amount that belongs to it until the total matches.
3. 3For a returned purchase, mark the entry as a refund so it offsets the original.
4. 4Flag anything you need to revisit, then filter by flagged to find it later.

Search matches merchants, notes, and descriptions, so you can find a charge by whatever you remember about it. Filters narrow the ledger by account, category, date range, amount, and type, and they combine, so you can ask for one category on one account across one month.

Filters are reflected in the page itself, which means a filtered view can be shared or returned to. When a filter set leaves you with nothing, Centmond tells you so directly and offers to widen the range rather than leaving you looking at an unexplained empty list.

1. 1Open Transactions and type into the search box.
2. 2Add filters for account, category, date range, or amount.
3. 3Combine filters to isolate exactly the set you want.
4. 4Clear filters to return to the full ledger.

Cleaning up an imported history one row at a time is slow. Select mode lets you tick multiple transactions, or select every row matching your current filter, then apply one change to all of them.

This is the fastest way to recategorize a merchant's entire history, move a batch of rows to the correct account, or delete a set of duplicates. Because it pairs with filters, the usual pattern is to filter down to exactly the wrong rows first, then select all and fix them in one action.

1. 1Filter the ledger down to the rows you want to change.
2. 2Turn on selection and tick the rows, or select all matching.
3. 3Choose the action: recategorize, move account, or delete.
4. 4Apply it once and watch the whole set update.

Not every transaction has cleared. Card authorizations, scheduled payments, and dated future entries appear under Upcoming / in progress, kept separate from your settled history so your actual balance stays honest.

Watching this column tells you what is already committed against your balance before it lands. Once an entry settles, it moves into the main ledger automatically, and Back to live returns you to the current view if you have scrolled back through history.

1. 1Open Transactions and look at the Upcoming / in progress column.
2. 2Review what is committed but not yet settled.
3. 3Let entries settle into the ledger on their own, or edit one if it is wrong.
4. 4Use Back to live to jump to the present.

Centmond has no archive concept; things are either present or deleted. To make that safe, destructive actions raise a toast with an Undo action, so a mistaken delete is one click away from being restored.

Destructive controls are styled distinctly so you do not trigger them by accident, and the ones that cannot be undone ask for explicit confirmation first. Deleted bank transactions are also remembered as deleted, so a later sync will not silently reimport something you removed on purpose.

1. 1Delete a transaction, goal, or account.
2. 2Click Undo in the toast if it was a mistake.
3. 3For permanent actions, read and confirm the dialog before continuing.
4. 4Re-sync a bank and confirm removed rows do not come back.

Categories drive every total in the app. Centmond ships with a full set of built-in categories, each with its own color and icon, and you can rename them, recolor them, pick a different icon, or create your own from scratch.

The Categories page lays them out as a grid showing what you have spent and how many transactions sit in each, with Most used and All in use views to see where your activity concentrates. Opening a category shows just its transactions, which is the quickest way to audit whether things have been filed correctly.

1. 1Open Categories to see every category with its color, icon, and totals.
2. 2Create a category, or open an existing one to rename or restyle it.
3. 3Pick an icon and color so it is recognizable in charts.
4. 4Click through to a category's transactions to check what has landed there.

Auto-categorization keeps the ledger organized without manual work. When a new transaction arrives, Centmond matches it against your rules and past patterns and assigns a category automatically.

You define rules under Settings, then Auto-categorize: a merchant pattern maps to a category. Rules apply to everything that arrives from then on, and you can also run them across your existing history on demand, which turns a messy import into a filed ledger in one pass.

1. 1Open Settings, then Auto-categorize.
2. 2Add a rule mapping a merchant pattern to a category.
3. 3Run the rules once over existing transactions to backfill.
4. 4Let new transactions file themselves from then on.

Banks rarely send clean merchant names. Centmond normalizes what it receives and shows a merchant avatar so rows are scannable at a glance rather than a wall of uppercase text.

When a merchant still arrives under several spellings, an alias maps those variants onto one name. That single change fixes the ledger, the Top merchants chart, and your reports at once, because everything downstream groups on the resolved merchant rather than the raw string.

1. 1Spot a merchant appearing under more than one name.
2. 2Open one of its transactions and set the merchant you want to keep.
3. 3Add an alias so the other spellings resolve to it.
4. 4Check Top merchants to confirm the spend is now grouped together.

Money moved between two accounts you own is not a gain or a loss, it is the same money in a different place. Centmond recognizes these as transfers and keeps them out of your income and spending totals so the numbers stay truthful.

Transfers are marked with their own type capsule in the ledger and are excluded from category charts and budgets. Payments received from other people are treated differently: an incoming payment does count as income, because it genuinely increases what you have.

1. 1Record a movement between two of your own accounts.
2. 2Set its type to transfer so it pairs the two sides.
3. 3Confirm your income and spending KPIs did not move.
4. 4Check the category charts to see it excluded there too.

Occasionally a real transaction should not shape your reporting. A reimbursed work expense, a large one-off that would wreck your monthly average, or money that simply passed through can be marked to be excluded from totals.

Excluding keeps the record in your ledger, so the history stays complete and your balance stays correct, while removing it from the aggregates that describe your habits. This is the honest alternative to deleting something just because it makes a chart look odd.

1. 1Open a transaction that distorts your figures.
2. 2Turn on exclude from totals.
3. 3Confirm the row is still in the ledger and the balance is unchanged.
4. 4Check that your spending totals and averages no longer include it.

A budget in Centmond is a monthly cap on a single category. Once set, the Budget page tracks every transaction in that category against the cap in real time, so you can see how much room remains as spending happens rather than at the end of the month.

Categories you spend in but have not budgeted appear in a separate list, one click away from receiving a cap of their own, so nothing quietly escapes the plan. You can move between months to set next month's numbers or review how a previous one turned out.

1. 1Open Budget from the sidebar and select the month.
2. 2Find the category, or pick one from the unbudgeted list.
3. 3Set a monthly cap and save.
4. 4Use Previous month and Next month to plan ahead or review.

A total alone does not tell you whether you are in trouble; being 60 percent through a budget is fine on day 20 and alarming on day 5. Centmond shows a daily pace and a projected month-end figure alongside the raw amount, so each row is judged against where you should be by now.

Rows carry a plain-language state: On track, Close to limit, and Over budget. That means a glance down the page tells you which categories need attention without reading a single number, and the projection warns you about a breach before it happens rather than after.

1. 1Open Budget and look at the state on each row.
2. 2Compare spent against the daily pace line for the date.
3. 3Read the projected end-of-month figure for anything close to its cap.
4. 4Adjust the cap, or your spending, before the month closes.

Rent, salary, insurance, and standing transfers happen on a schedule. A recurring rule records that schedule so the entries appear when they are due instead of being retyped every month. Rules support Weekly, Bi-weekly, Monthly, Quarterly, and Annual frequencies, as both income and expense.

The Recurring page lists your active rules with what is due Today and Tomorrow called out. Because Centmond knows what is scheduled, these rules also feed the forecast, which is what lets it project your balance forward rather than just extrapolating the past.

1. 1Open Recurring and click New recurring rule.
2. 2Set the amount, category, account, and whether it is income or expense.
3. 3Choose the frequency and the next due date.
4. 4Save, then watch due items surface on the date they are expected.

Add the services you pay for and Centmond keeps them together with what they actually cost. Each one carries its billing cycle, its next payment date and the account it is charged to, so the totals stay right as you edit them. Centmond also reads your transactions for charges that repeat and puts what it finds in a review queue, each with a confidence score and the charges behind it. It proposes; nothing is added, changed or cancelled until you say so.

The top of the page rolls everything into a Monthly cost and a Yearly cost, plus what is due in the Next 14 days, so the true weight of your recurring spend is always visible. Renewing soon and Trials ending call out the items that are about to take money.

1. 1Open Subscriptions to see everything you pay for and the cost totals.
2. 2Review Renewing soon for what is about to be charged.
3. 3Check Trials ending before a free trial converts.
4. 4Open any subscription to change its price, its cycle or its account.

Every subscription carries a status so you can manage it, not just observe it. In trial flags something that has not started charging yet, which is the moment when cancelling is free. Cancelled keeps the history without counting the cost forward.

Marking a subscription as paid posts a real transaction in the correct category, which keeps your ledger and your subscription list in agreement instead of drifting apart. Centmond also watches the charges behind a subscription you already track and tells you when they stop agreeing with it: the price moved, the billing cycle changed, a free trial started charging, or the charges stopped arriving and nobody cancelled it here. If your list has filled up with things you no longer recognize, Settings has a bulk way to remove them so you can start again.

1. 1Open Subscriptions and select one.
2. 2Change its status, for example to cancelled or paused.
3. 3Mark one as paid to post its charge into the ledger.
4. 4Watch the monthly and yearly rollups update to match.

The Net Worth page separates your accounts into Assets and Liabilities and reports the difference. Bank, Cash, Savings, and Investment balances add to the total, while Credit card and Loan balances subtract from it, so the figure reflects your real position rather than just the money in your current account.

Every account contributes automatically, whether it arrived through a bank connection or you added it by hand, which means the number is only as complete as the accounts you have told Centmond about.

1. 1Open Net Worth from the sidebar.
2. 2Review the Assets and Liabilities breakdown.
3. 3Add any account that is missing so the total is complete.
4. 4Check which accounts move the figure most.

A single net worth figure is a snapshot; the useful information is the direction. The History chart plots your position over time so you can see whether you are building or eroding, and it marks your All-time high as a reference point.

You can also take a snapshot on demand when you want a specific moment recorded, for example at the end of a quarter or just after a large purchase, so the history reflects the dates that matter to you.

1. 1Open Net Worth and look at the History chart.
2. 2Compare the current figure against your all-time high.
3. 3Take a net worth snapshot to record the moment.
4. 4Return later to see the trend rather than the single number.

A goal records what you are saving for, how much it needs, and by when. The Goals page shows your Active goals with a Total target, how much is Saved, and how much is Remaining, so the whole picture is one screen rather than a spreadsheet.

Goals are not just labels. Progress is tracked against real contributions, which means a goal reflects money you have actually put aside rather than a number you typed once and forgot.

1. 1Open Goals and click New goal.
2. 2Name it, set the target amount, and choose a deadline.
3. 3Save it and see it join your active goals.
4. 4Review saved against remaining as you contribute.

Each contribution to a goal is recorded, so progress is a ledger rather than a single running total, and you can see when you put money in and how the goal advanced.

From that history Centmond projects when the goal will be reached at your current rate. That projection is the honest test of a deadline: if the date lands after your target, the goal needs either a bigger contribution or a later deadline, and you find out now rather than at the end.

1. 1Open a goal to see its contribution history.
2. 2Record a contribution when you set money aside.
3. 3Read the projected completion date against your deadline.
4. 4Adjust the target, the deadline, or the amount you contribute.

The Investments page holds your portfolio as individual positions. Each holding has a type: Stock, Bond, Crypto, Cash, or Other, so a mixed portfolio is represented properly rather than flattened into one number.

Rather than typing prices, you can look up a symbol and let Centmond fill in the details, then refresh prices to revalue the portfolio. Portfolio value sits at the top, and because investment accounts count as assets, the value flows straight through into your net worth.

1. 1Open Investments and add a holding.
2. 2Look up the symbol to fill in its details.
3. 3Enter the quantity and what you paid.
4. 4Refresh prices to see the current portfolio value.

A rising portfolio value can simply mean you paid more money in. The Performance view separates the two, charting how the portfolio has moved over time against what you contributed, so gains and losses are visible on their own terms.

You can read performance across the whole portfolio or narrow to a holding to see which positions are carrying the result and which are dragging on it.

1. 1Open Investments and switch to the Performance view.
2. 2Review the portfolio's movement over time.
3. 3Compare individual holdings to see what is driving the result.
4. 4Refresh prices to bring the figures up to date.

Insights monitors your data on your behalf and surfaces what matters: a drop in net worth, a budget you are about to breach, an unusual charge, a possible duplicate, or a bank connection that needs attention. Items are sorted by severity so the most important one is at the top.

The feed is split into Alerts and Good signs, because progress is worth reporting too, and items are grouped by area such as Bank, Budget, Category, Forecast, Goals, Income, and Net worth. Each insight is tied to your real numbers rather than generic advice, and when there is genuinely nothing wrong it says Nothing flagged right now instead of inventing filler.

1. 1Open Insights to see the feed sorted by severity.
2. 2Read an alert to understand what changed and why it matters.
3. 3Follow the suggested action, for example adding a budget.
4. 4Check Good signs to see what is going well.

An insight you cannot act on today is noise. Each item can be acted on, snoozed if it is not currently relevant, or dismissed if it never was.

Dismissals are remembered, so the same observation does not reappear every time you open the page. That is what keeps the feed focused on what is new, rather than degrading into a list you learn to scroll past.

1. 1Open Insights and pick an item you cannot act on now.
2. 2Snooze it to bring it back later.
3. 3Dismiss anything that is not useful to you.
4. 4Return later and confirm the feed shows only what is new.

Forecasting projects your cash balance across the next 60 days, combining what you usually spend with what is already scheduled. The baseline is drawn from your recent behaviour, based on the last 3 months, so the projection reflects how you actually live rather than an idealized budget.

Because recurring rules are known in advance, the forecast accounts for rent, salary, and subscriptions on the dates they are due, which is what makes it more useful than simply extending a trend line.

1. 1Open Forecasting from the sidebar.
2. 2Read the projected cash balance across the coming weeks.
3. 3Check the upcoming events feeding the projection.
4. 4Add any missing recurring rule so the forecast is complete.

Beyond the line chart, forecasting reports the figures you would otherwise work out by hand. Lowest projected balance is the trough you will pass through, and Risk of negative balance warns you when that trough goes below zero, which is the number that matters before it happens rather than after.

Projected month-end spend tells you where this month lands at your current rate, Annual savings run rate extrapolates what you are actually putting aside over a year, and Category projections break the forecast down so you can see which categories are driving it.

1. 1Open Forecasting and read the lowest projected balance.
2. 2Check whether a risk of negative balance is flagged.
3. 3Compare projected month-end spend against your budgets.
4. 4Review category projections to see what is driving the total.

The Reports page builds a structured view of a date range rather than a single chart. It covers Summary, Cashflow, Categories, Merchants, Accounts, Budgets, goals & recurring, and Behavior & insights, so one report answers most questions about a period.

Filters narrow what the report includes, and the date range is yours to choose, whether that is a month for a review or a year for tax season. If a range is too narrow to be meaningful, Centmond offers to widen to the last 12 months instead of showing an empty page.

1. 1Open Reports and choose your date range.
2. 2Apply filters to narrow what is included.
3. 3Move through the sections from Summary to Behavior & insights.
4. 4Clear filters or widen the range if the result is too thin.

A report you can only look at on screen is limited. Centmond generates a PDF laid out for reading and printing, which is the format to use when you are sending it to an accountant or filing it for the year.

For anything you want to work with rather than read, the same data exports as CSV for a spreadsheet or JSON for a script. The export honours the range and filters you set, so you get the report you built rather than a raw dump.

1. 1Build the report you want with its range and filters.
2. 2Export it as a PDF to read, print, or send.
3. 3Export CSV to open it in a spreadsheet.
4. 4Export JSON if you want to process it yourself.

Separate from reporting on a period, you can export your entire account: transactions, accounts, categories, budgets, goals, and the rest of your records.

This exists because the data is yours. There is no lock-in and no need to ask for a copy; you can take a full backup whenever you like, keep it for your own records, or use it to move elsewhere.

1. 1Open Settings, then Data.
2. 2Choose to export your account data.
3. 3Save the file somewhere you keep backups.
4. 4Open it to confirm your records are all present.

The Assistant answers questions about your finances in plain language, such as how much you spent on groceries last month, what your largest subscriptions are, or where your money went in May. It responds with your actual numbers and your real merchants, not generic advice.

Because it reads your live data, you can use it to examine a category, compare two periods, or check a budget without assembling anything yourself. It behaves like a finance analyst who already knows your records, and it replies in the language you write to it in.

1. 1Open the Assistant from the sidebar.
2. 2Ask a question in plain language about your spending or income.
3. 3Read the answer, grounded in your real transactions.
4. 4Follow up to drill deeper into the same thread.

The Assistant is not read-only. It can create a transaction, set a budget, add a goal, or recategorize, which turns a question into a completed task rather than a set of instructions to follow yourself.

Anything that changes your data is proposed first. Centmond shows a confirmation card describing exactly what will happen, with the specific values filled in, and nothing is written until you approve it. That keeps the speed of asking without giving up control of your records.

1. 1Ask the assistant to make a change, for example setting a budget.
2. 2Read the confirmation card and check the details it proposes.
3. 3Approve it to apply, or reject it to leave your data untouched.
4. 4Open the affected page to confirm the change landed.

Some actions deserve more than a click. When a request is sensitive, the Assistant can require two-factor verification inline in the conversation before it proceeds, so possession of an open tab is not enough to make a significant change.

This is the same protection used elsewhere in the app rather than a separate mechanism, which means the assistant is never a way around the security you have set on your account.

1. 1Ask the assistant to perform a sensitive action.
2. 2Complete the verification prompt shown in the conversation.
3. 3Approve the confirmation card once verified.
4. 4Cancel at any point to leave everything unchanged.

Conversations are saved, so you can return to an earlier thread rather than re-establishing context each time. Starting a New chat gives you a clean slate when you move to an unrelated question.

You can also see the assistant's current status and which model is serving your requests, so it is clear what is answering you rather than leaving it opaque.

1. 1Open the Assistant and start a New chat.
2. 2Return to an earlier conversation from the history list.
3. 3Check the status indicator to see the assistant is available.
4. 4Review which model is currently in use.

Pressing the command menu shortcut opens a search box over whatever you are doing. Navigate jumps straight to any page: Dashboard, Transactions, Budget, Categories, Accounts, Net Worth, Goals, Investments, Recurring, Subscriptions, Insights, Forecasting, Reports, Household, or Settings.

Actions creates things without going to the page first, including New transaction, New account, New goal, New recurring rule, New subscription, Set monthly budget, and Take net worth snapshot. Once it is in your hands, it is usually faster than the sidebar.

1. 1Press the command menu shortcut from any page.
2. 2Type part of a page name and press Enter to navigate.
3. 3Type an action such as New transaction to create one directly.
4. 4Switch the theme from the same menu.

Centmond ships three themes: Dark, Light, and OLED. OLED is a true-black variant intended for OLED displays, where black pixels are switched off entirely, which looks deeper and uses less power than standard dark mode.

The theme applies across the whole app, including charts and reports, and can be switched from the command menu or from Appearance in Settings. Your choice is remembered.

1. 1Open the command menu and type Theme.
2. 2Switch between Dark, Light, and OLED to compare.
3. 3Or open Settings, then Appearance, to set it there.
4. 4Check a chart-heavy page to see the theme applied throughout.

Connected banks refresh on a schedule, so new transactions and updated balances arrive without you asking. You can also trigger a sync yourself when you want the latest activity immediately, for example right after a purchase you want to categorize.

Bank consents expire by design, on a period the bank sets rather than Centmond. When a connection is approaching its expiry, Centmond tells you in advance so you can renew it before the data stops flowing, and you manage all of this from Bank connections in Settings.

1. 1Open Settings, then Bank connections.
2. 2Review each connection and when it expires.
3. 3Trigger a manual sync to pull the latest activity.
4. 4Renew a connection before it lapses to avoid a gap.

Settings is organized into sections rather than one long list. Profile, Account, and Email & password cover who you are and how you sign in. Appearance, Preferences, and Finance control how the app looks and how money is formatted and grouped.

Security and Connected devices protect access, Notifications decides what you are told about, Auto-categorize and Bank connections manage automation and data sources, and Data, Privacy & cookies, and Danger zone cover export, privacy, and deletion.

1. 1Open Settings from the sidebar.
2. 2Move through the sections to see what each controls.
3. 3Set your currency and formatting under Finance.
4. 4Adjust what you are notified about under Notifications.

Two-factor authentication means signing in needs both your password and a code from your device. For an account holding your complete financial history, that second factor is the difference between a leaked password being an inconvenience and being a breach.

Once enabled, verification is also required for sensitive actions inside the app, not just at sign-in, so raising the bar protects your data continuously rather than only at the door.

1. 1Open Settings, then Security.
2. 2Start two-factor setup and scan the code with your authenticator app.
3. 3Enter a generated code to confirm the pairing.
4. 4Sign out and back in to see the second step in action.

When you enable two-factor authentication you are given recovery codes. If you lose the device holding your authenticator, these codes are how you regain access to your own account.

Store them somewhere separate from your phone, such as a password manager or on paper. A recovery code is a single-use fallback for regaining access, so treat the list as seriously as the password itself and generate a fresh set if you think it has been exposed.

1. 1Open Settings, then Security.
2. 2Reveal your recovery codes when setting up two-factor.
3. 3Save them somewhere separate from your authenticator device.
4. 4Regenerate the set if you believe they have been exposed.

Connected devices lists the devices with access to your account, so you can check nothing is signed in that should not be and remove anything you no longer use.

This is also where the native apps are paired. Rather than typing your credentials again on another device, you approve the pairing from a session that is already trusted, so the Mac and iPhone apps get access without your password travelling further than it has to.

1. 1Open Settings, then Connected devices.
2. 2Review the devices currently signed in.
3. 3Pair a new device by approving it from this trusted session.
4. 4Remove any device you no longer use.

Your records are encrypted in transit and at rest, and scoped to your account so they are not readable across users. Privacy & cookies in Settings sets out what is collected and lets you control optional tracking.

Because a finance dashboard is not something to leave open on a shared screen, Centmond can lock itself after a period of inactivity and ask you to authenticate again before the numbers are visible.

1. 1Open Settings, then Privacy & cookies.
2. 2Review what is collected and set your preferences.
3. 3Configure auto-lock so the app secures itself when idle.
4. 4Leave it idle to confirm the lock behaves as expected.

The Danger zone holds the actions that cannot be reversed. You can wipe your financial data while keeping the account, which is the clean way to start again after a messy import, or delete the account entirely.

These actions are deliberately separated from everyday settings and ask for explicit confirmation, because unlike a deleted transaction there is no undo here. Export your data first if you want to keep a copy.

1. 1Export your data first from Settings, then Data.
2. 2Open Settings, then Danger zone.
3. 3Choose to wipe your data or delete your account.
4. 4Read and confirm the dialog, understanding it cannot be undone.