One home for every account
Balances, subscriptions, transactions, and ¢Score land in one daily view.
iPhone | Android | Web
The last personal finance app you'll need
Most from your money, least of your time.
No manual entry. No tedious categorization. No rigid budgeting.
Centiv puts your finances on autopilot, so you can focus on life.
Centiv in motion
See your money move from noise to next step.
Connected accounts, AI advisors, and Coach answers work together so the app feels alive from the first check-in.
Get Started
Recurring charge found
Sentry: Streaming, gym, and app renewals grouped for review¢Score moved
Ace: Debt and cash-flow dimensions explain the changeMorning Pulse ready
Coach: A short read of what changed overnightAI advisors watch the background
Sentry spots recurring charges, Clerk reads receipts, and Ace watches the score.
Coach turns data into answers
Ask what changed, what is due, or what would lift your next month.
Simple next steps, not dashboards
Centiv points to the one useful move and lets you decide what happens.
Connect your full financial picture
Works with the banks and brokerages you already use.
Link checking, savings, credit cards, loans, and investments through trusted bank-link coverage. Centiv gets read-only financial data, not your bank password.
10,000+US financial institutions
Read-onlyCentiv cannot move money
No adsBuilt around members, not clicks
¢Meet the squadA squad that works
A squad that works
so you don't have to.
Seven AI advisors, each with one job. Together they keep your whole money picture in check.
¢
The Financial Guru
Coach
Ask anything about your money — get straight and simple answers. Leads your team.
S
Sage
Plan & goalsTurns your real income and spending into a long-term plan you’ll keep.
A
Ace
¢ScoreScores your whole financial life across 6 dimensions — and shows you how to climb.
W
Warden
Debt & interestTracks every balance and flags what interest is quietly costing you.
S
Sentry
SubscriptionsCatches every recurring charge before it catches you. Surfaces the surprises.
C
Clerk
ReceiptsFiles every receipt — warranties, returns and refunds never slip through.
M
Max
Card rewardsMaps the best card for every kind of spend, so you stop leaving rewards on the table.
They work for you — 24/7.
Meet ¢ScoreYour credit score is for the bank.
Your credit score is for the bank.
¢Score is for you.
One honest number across six parts of your money — so you always know whether you're actually getting ahead, not just whether a bank would lend to you.
78/ 100
Healthy
↑ Trending up this month
Cash FlowStrong
DebtBuilding
SavingsStrong
SpendingSteady
StabilityStrong
GrowthBuilding
Ace
Focus on Growth next — it's the fastest way up.
Inside the app
Welcome to Centiv
Privacy & AI
Coach · from your Centiv SquadI see your spending, not your identity.
Your name, email, and full account number never leave Centiv. Only your money's behavior reaches my AI brain — and even that's covered by a no-training contract.
🪪
No personal identifiers
Name, email, phone, full account number, address — stripped before any AI sees anything. Verified in CI on every commit.
🧠
No model training
Centiv has a Data Processing Agreement with our AI provider. Your financial data is never used to train public models.
👁
Read-only by design
Centiv has read-only access to your transactions through a trusted bank-link partner. We literally cannot move money, transfer funds, or initiate payments.
🎯
Six focused agents, not one open chatbot
Each agent has a focused job and an audited prompt. Your data is sent as context for one question — never as a persistent dataset.
📜
Audited internal access
Even at Centiv, every human read of your data is logged with a reason. You can see every event in the app — Settings → Privacy → "Who’s accessed my data."
Real user feedback
What early users are saying.
Jonathan
Beta USer
“I really like that my Centiv app AI Agents, Coach and all his friends are looking for ways to save me money even when I'm not using the app. I have saved money in multiple ways from canceling subscriptions I wasn't aware of or forgot about to suggesting a better interest bearing account for my savings. Centiv pays for itself if you follow its suggestions.”
Joshua Adams
Beta User
“This app is super user friendly and very intuitive. Budgeting money can sometimes be overwhelming, but this makes it fun because of how immersive it is. I would highly recommend it to anybody looking for a simple way to stay on top of their finances!”
Krish Chenna Sagili
Beta user
“Been using Centiv for a while now and it's genuinely becoming my go-to for managing finances. It pulls everything into one place so I'm not jumping between the apps to piece together where things stand. The recurring charges feature is really useful - it surfaces subscriptions and regular charges automatically, which is handy when you're not actively tracking every little thing. The upcoming expenses view is probably my favorite part though. It looks at your previous months and projects what's coming up, so you're not caught off guard. There's also an AI agent you can chat with to dig into your spending, which works better than I expected. Overall it's a solid app if you want a clear picture of your finances without a lot of manual work.”
Brock Grimshaw
Beta user
“Centiv is so easy to use. It's become my go-to money management tool.”
Maureen Adam
Beta user
“I really appreciate my coaches on the Centiv app. I'm learning a lot.”
These are real early-user feedback items published from the website testimonial admin.
Common questions
Before you sign up.
How is Centiv different from Mint, Monarch, or Rocket Money?
Centiv is the only US personal-finance app with a real-time ¢Score (a 0–100 financial health number across 6 dimensions) and an AI Squad that works in the background for you — Coach answers your money questions in plain language, Sentry watches subscriptions, Warden tracks debt, and so on. Most other apps are dashboards you have to actively check. Centiv is a team that actively checks for you.
Can Centiv move money or make transactions?
No, and we literally can't. Centiv uses read-only bank access through Plaid — the scope we request does not include transfers, payments, or wire initiation. Even if our servers were compromised, no one could move a dollar of your money from Centiv. The boundary is enforced by Plaid, not by us.
Which banks does Centiv support?
Centiv connects to 10,000+ US financial institutions through Plaid, including Chase, Bank of America, Wells Fargo, Citi, Capital One, Ally, American Express, Fidelity, Schwab, and most credit unions. If your bank supports online banking, it almost certainly works.
How is my data protected from being used to train AI?
Two layers. First, personal identifiers (your name, email, phone, full account number, address) are stripped from every prompt before it leaves Centiv — verified by an automated test that runs on every commit. Second, Centiv has a Data Processing Agreement with our AI provider (Anthropic) that contractually prevents your data from being used to train public models. The no-training term is a contract, not a setting that can be silently changed. Full details on the security page.
Is Centiv available on iOS and Android?
Yes — Centiv is live on both the App Store and the Google Play Store. Search for "Centiv" in either store, or open the download page on centiv.app to grab a direct link to your platform.
More questions? See the full FAQ or contact support.
Own your money. Get Centiv.
Centiv is live on the App Store and Google Play. Your AI Squad looking after your money.