Centiv AI: Budget & Save Money

Get more from your money — without giving it any of your time. Centiv is your AI-powered personal finance app that helps you budget, save, and track expenses, subscriptions, investments, and net worth — all on autopilot. Centiv is GDPR and CCPA compliant, your data is safe and secure. Most personal finance apps are dashboards you have to check. Centiv is a crew that checks for you. Connect your bank in minutes and your AI advisors get to work — watching every dollar 24/7, tracking bills, flagging savings opportunities, and telling you exactly where you stand on your path to financial freedom. Meet your Crew — 7 AI advisors working for you Coach — ask "Can I afford this?" and get a straight answer based on your real transactions. Chat or talk by voice, any time. Sage — budgets and savings goals built around your real income and expenses. Your roadmap to debt free living. Ace — tracks your ¢Score, your personal financial health across 6 dimensions: cash flow, debt, savings, spending, stability, and growth. Warden — watches your debt, interest drain, and credit usage so you can track and reduce what you owe. Sentry — finds every subscription you forgot, flags surprise or duplicate charges, and catches bill increases before they drain your budget. Clerk — scans receipts and tracks returns, warranties, and tax deductions to protect every dollar you spend. Max — informs you which credit card to use for what purchase to maximize rewards. Tracks your credit card rewards and all perks. Why people love Centiv Talk to your money — real answers from your real transactions, not generic personal finance advice. ¢Score — a 0–100 financial health score across savings, debt, net worth, spending, and more. Like a credit score but built for how you actually live. "What If" Simulator — model debt payoff, savings goals, or income changes and see the impact on your net worth before you commit. AI subscription detection — track, manage, and cancel what's quietly draining your budget. Bill & expense tracking — stay on top of every bill, recurring expense, and spending category in one place. Investment tracking — monitor your investments alongside savings, debt, and net worth for a complete financial picture. Surprise-charge alerts — catch unusual or duplicate charges early and protect your savings. Your data, protected Read-only access — Centiv cannot move or spend your money. Personal identifiers are stripped before any AI sees your data, and it's never used to train AI models. AES-256 encryption across 10,000+ US and Canadian banks. Simple pricing Free forever — all 6 AI advisors, your ¢Score, subscription detection, budget tracking, and receipt scanning on one connected bank. No credit card. Upgrade to Premium for unlimited banks, full net worth tracking, investment tracking, full ¢Score history, and voice control. Download Centiv today. Budget smarter, save more, track everything, and take the first step toward financial freedom.