Six AI advisors looking after your money.

They read your accounts, score your financial health across six dimensions, and tell you exactly what to fix — quietly, in the background.

Built by engineers from Mastercard, American Express, and Infosys — 24+ years in payments and regulated finance.

Introducing your crew

Coach

Daily financial guidance and smart nudges — ask anything about your money and get straight, honest answers in plain language.

Sage

Budgets, goals, and long-term planning — built around your real income and tracked week after week.

Ace

¢Score and overall financial wellness — tracks your health score across 6 dimensions and shows you exactly how to improve.

Warden

Debt tracking and interest drain alerts — watches what your balances are quietly costing you and flags the urgent stuff first.

Sentry

Subscription detection and bill monitoring — uses AI to surface every recurring charge and flags overlaps, surprises, and watchouts.

Clerk

Receipt scanning, returns, and tax tracking — captures every detail so warranties, deductions, and refunds never slip through.

They work for you — 24/7.

Download on the App Store Get it on Google Play

Freemium is free forever · No credit card required

Meet ¢Score

Your credit score tells you if banks would lend to you.

¢Score tells you if you're actually winning.

Healthy · Trending up

Cash Flow

Strong

Debt

Building

Savings

Strong

Spending

Steady

Stability

Strong

Growth

Building

Ace monitors your ¢Score every day and tells you exactly which dimension to focus on next.

¢Score is Centiv-only. Not a credit score. Not reported externally.

Inside the app

Welcome to Centiv

Privacy & AI

Coach · your Centiv chat advisor

I 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."

See how Centiv handles your data →

How it works

Up and running in under 10 minutes.

Connect your banks

Link your accounts in a few minutes. Read-only access across 10,000+ US financial institutions. Your credentials never touch our servers.

Your crew gets to work

6 specialized AI advisors analyze your transactions, score your health, build your budget, monitor your subscriptions, and capture every receipt — all in the background.

Win with your money

Clear answers. Smart alerts. A real plan. Centiv turns the noise of your finances into momentum — so you stop reacting and start winning.

🪪

No PII

Sent to AI

🧠

No training

AI-provider DPA

📜

Audited access

You see every read

👁

Read-only

We never move your money

🔒

AES-256

Encryption at rest

🏦

10,000+

US financial institutions

✂️

Anytime

Disconnect & delete

Agents at work

Sentry's already saving users money on subscriptions they forgot about.

Every recurring charge gets surfaced — the duplicate streaming service, the free trial that quietly started billing, the gym you haven't been to since January. Sentry flags it. You decide what stays. The ones you cancel go right back into your monthly bottom line.

What you get

Six agents. One score. Real answers.

🧠

¢Score — Financial Health Score

A real-time score across 6 dimensions: cash flow, debt, savings, spending, stability, and growth. Like a credit score, but built for how you actually live — and Ace tells you how to improve it.

💬

Talk to Your Money

"Can I afford this?" "Where did my paycheck go?" Just ask. Coach reads your real transactions and gives you a straight, honest answer in plain language — any time, any question.

💡

"What If" Simulator

What if I paid off my credit card? What if I got a raise? Run real scenarios on your real financial picture. See the ripple effect before you commit.

🔍

AI-Powered Subscription Detection

Sentry scans your transaction history using AI to automatically identify every subscription and recurring charge — even the ones you forgot about. See exactly where your money goes each month.

🧾

Receipt Intelligence

Snap a photo or upload a receipt and AI extracts every detail — merchant, items, totals, and tax. Never miss a deal, catch pricing errors, and uncover savings you didn't know you had.

📊

Daily Pulse, by Coach

Every morning Coach reviews your accounts overnight and writes a short, personalized briefing — what changed, what to watch, what to celebrate. No noise, no 50-notification dashboard. Just the one read that matters today.

Early user feedback

Real notes from people using Centiv.

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.”

Simple pricing

Free forever, or unlock everything for ~27¢ a day.

All 6 agents included in every plan. Freemium gives you one connected account; Premium unlocks the rest.

Freemium

Forever free

Try Centiv with one connected account — no card, no trial, no expiry.

✓All 6 AI advisors (Coach, Sage, Ace, Warden, Sentry, Clerk)
✓Unlimited Coach AI conversations (text)
✓¢Score (overall health score)
✓AI-powered subscription detection
✓Receipts Drawer with AI scanning
✓1 connected bank account (you choose which)
✓Spending insights & budget alerts

Download the app — free

★ Most Popular

Premium

~27¢ a day on annual

$10.99/mo

Unlimited accounts, full ¢Score, household sharing, and voice control.

✓Everything in Freemium
✓Unlimited linked banks & accounts
✓Full ¢Score breakdown & history
✓Household Mode (partner sharing)
✓Investment tracking
✓Long-press voice control with Coach
✓Priority support

Subscribe monthly$10.99/mo

Annualsave 24%

$99.99/yrbilled annually

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 a crew of 6 specialized AI advisors that work 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 the free tier really free forever?

Yes. Freemium includes all 6 agents (Coach, Sage, Ace, Warden, Sentry, Clerk), unlimited Coach AI conversations, your ¢Score, AI subscription detection, receipt scanning, and 1 connected bank account. No credit card, no trial, no expiry. If you want unlimited accounts, the full ¢Score breakdown, Household Mode, or voice control, Premium is $10.99/mo or $99.99/yr (about 27¢ a day on annual).

What happens to my data if I cancel?

If you cancel Premium, Centiv switches you to Freemium and asks which one connected account you want to keep — we never silently disconnect a bank for you. If you delete your account, all of your personal and financial data is permanently removed from our systems within 30 days. You can also export everything to a file before you go.

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. Freemium is free forever, no credit card required.

More questions? See the full FAQ or contact support.

Own your money. Get Centiv.

Centiv is live on the App Store and Google Play. Six AI advisors looking after your money — free forever on Freemium, no credit card required.

Download on the App Store Get it on Google Play