Monthly bills
Due dates for rent, utilities and insurance, with averages built from the amounts you log.
Flags bills running higher than usual
No ads · No AI on your data · No data selling
Know what's left after the bills.
Cents puts your bills, subscriptions, credit cards, income and spending in one place, then shows the one number that matters: what you have left each month. All you need to sign up is an email address.
Start your 7-day free trial
No card needed. $3 a month after.
Example
Left each month after bills, debt payments and savings
$1,284.50
Simple on purpose
You pay for Cents, so you're not the product.
Most free budget apps make money from ads, offers and your data. Cents costs $3 a month instead, and it only asks for what it needs to work.
No ads
No banners, no sponsored offers and no credit card pitches. Nothing to scroll past.
Just an email
No name, phone number, address or birthday to sign up. No password either: we email you a one-time link or code.
No AI on your data
Your numbers are never sent to an AI. Cents does plain, predictable math you can check yourself.
No hidden fees
One price with every feature included. No setup fee, no premium tier and no upsells. Any sales tax is shown before you pay.
No data selling
Your information is never sold, rented or shared for marketing. It's used to run Cents for you and nothing else.
Nothing we don't need
No bank logins, no Social Security number, no tracking and no analytics. We keep only what you type in.
What's inside
Everything you pay, spend, earn and save, on one page.
You type in your numbers once. Cents keeps track of the dates and does the math.
Subscriptions
Every streaming service, app and membership, with renewal dates and how long you've paid for it.
Shows the real yearly costSpending
Log groceries, gas, dining out and everything else in your own color-coded categories.
See where you spend the mostCredit cards
APR, minimum payment, due date and utilization for each card, plus the month it will be paid off.
Warns when a payment only covers interestDebt-free plan
Compare the Avalanche and Snowball methods, or set your own order, and watch your debt-free date move.
See the interest you saveIncome
Weekly, every two weeks, twice a month or monthly. See your estimate for the year and every payday ahead.
Spots your three-paycheck monthsGoals
Save for a trip, a home or an emergency fund. Keep a goal private or save for it together.
Know what to save each monthCalendar and reminders
Paydays, bills and renewals on one monthly calendar, with optional email reminders before they're due.
Get a nudge to cancel a free trial
Debt-free plan
A small extra payment changes the date.
Cents pays the minimum on every card and loan, then puts your extra money toward one debt at a time. When one is paid off, its payment rolls to the next.
Pick the method that fits you: Avalanche saves the most interest, and Snowball clears accounts faster so you stay motivated.
| Plan | Debt-free in | Interest paid |
|---|---|---|
| Minimums only | 5 years 1 month | $4,184 |
| Snowball, $150 extra | 2 years 3 months | $1,975 |
| Avalanche, $150 extra | 2 years 3 months | $1,936 |
Budget together
Share a budget and goals with your partner.
Invite your partner by email, then choose what to share: the rent, a joint card, a paycheck, a savings goal. Shared items show up in a combined household view, and you can both keep them up to date.
Anything you don't share stays private. One subscription covers both of you.
Mine
Your own budget
Everything you add starts private. Only you can see it.
Household
Shared bills, cards and income
Share what you choose, or mark joint bills like rent as Ours. You both see them in the household view and can update them.
Goals
Shared goals
Save for a trip or a home together. Choose whether your partner can change the details or just add money.
Pricing
One simple price.
It covers the servers, security and support. No setup fee, no premium tier, no upsells.
$3 per month
or $30 per year, which saves $6
- 7-day free trial, no card needed
- Every feature included, no hidden fees
- One subscription covers you and a partner
- Cancel anytime from Settings
- Sales tax, where it applies, is shown at checkout
Questions
Good to know
What do I need to sign up?
Just an email address. We don't ask for your name, phone number, address or birthday, and there's no password to create. When you subscribe, your card details go to Stripe, our payment provider, and never reach Cents.
Do I need to connect my bank?
No. You add the bills, cards and income you want to track yourself. It takes a few minutes, and nothing about your bank accounts is shared with Cents.
What happens when my free trial ends?
Your data stays safe and you can still view everything. To keep adding and editing, choose a monthly or yearly plan. We don't ask for a card until then, so you're never charged by surprise.
Is there an app?
Yes. Cents works in any browser, and you can add it to your home screen so it opens like an app. On iPhone, open centscount.com in your browser, tap Share, then Add to Home Screen. On Android, open it in your browser and tap Install app. It's free and doesn't need an app store.
How does sharing with a partner work?
Invite them from Settings with their email address. Once they accept, you each choose which bills, subscriptions, cards, income, expenses and goals to share. Shared items appear in a combined household view, labeled with whose they are. Things you pay for together, like rent or a mortgage, can be marked Ours so you can both manage them. Everything else stays private. If either of you subscribes, you're both covered.
How do I cancel?
Go to Settings and choose Manage billing. You can cancel in a couple of clicks, and you keep access until the end of the period you paid for.
Can I download or delete my data?
Yes. Choose Download my data in Settings for a copy of everything you've entered. Deleting your account from Settings permanently removes it all.
How is my data protected?
Every connection to Cents is encrypted. There are no passwords to steal, sign-in links expire after 15 minutes, and payments are handled by Stripe, so your card number never touches our servers.