✦ AI-Powered  ·  Free to start

Stop losing money to habits you don't see

Centy connects to your expenses, identifies wasteful patterns, and gives you real AI-driven insights to save more — automatically.

Get started free See how it works →
✓ Free forever plan  ·  ✓ No credit card required  ·  ✓ Cancel anytime
Monthly savings found
$247.80
vs last month · ↑ 18% improvement
Food
72%
Subscriptions
45%
Shopping
60%
Transport
30%
⚡ AI Insight: You spent $38 more on food delivery this week. Cooking 3 meals at home saves ~$91/mo.
Ad Save more with a high-yield savings account — earn up to 5.1% APY with Marcus by Goldman Sachs →
What you get
Everything you need to master your money
Built for students, freelancers, and everyday consumers who want clarity without the complexity.
📊

Smart expense tracking

Log and categorize your spending in seconds. Centy auto-tags transactions so you always know where money goes.

Free
🤖

AI spending insights

Our AI analyzes your habits weekly and surfaces personalized tips — like which subscriptions to cancel and when to cut back.

Pro
🎯

Budget goals & alerts

Set monthly targets per category. Get notified before you overspend — not after. Stay on track effortlessly.

Free
🎓

Student mode

Dedicated tools for students: semester budgeting, textbook vs. ebook cost tracking, and campus deal alerts.

Pro
📉

Subscription audit

Spot forgotten subscriptions draining your account. One click to flag them for cancellation. Avg user saves $34/mo.

Free
📈

Monthly savings report

Beautiful PDF reports showing your progress, trends, and projections. Share with your accountant or just feel good.

Pro
App preview
Your finances, finally clear
Dashboard — March 2026
← Feb   Mar   Apr →
Total spent
$1,842
↑ 4.2% vs last month
Total saved
$428
↑ 18% improvement
Budget left
$658
of $2,500 budget
AI alerts
3
new insights this week
Recent transactions
🍔
Uber Eats
Mar 27
-$22.40
🎵
Spotify Premium
Mar 26
-$9.99
🚌
Metro card top-up
Mar 25
-$30.00
📚
Coursera subscription
Mar 24
-$49.00
💰
Part-time paycheck
Mar 24
+$850.00
⚡ AI Insight
You've ordered food delivery 9 times this month (↑ 3 from last month). Switching 4 of those to home cooking saves an estimated $74/month. Want a weekly meal plan suggestion?
Budget by category
Food & dining$420 / $350
Shopping$310 / $400
Transport$180 / $250
Subscriptions$89 / $100
Education$120 / $200
Sponsored
📣 Student bank accounts with 0% fees — Open one free →
Ad 🎓 Notion Student Plan — Free for verified students. Organize notes, budgets, and assignments in one place. Claim free plan →
How it works
Up and running in 3 minutes
No bank account linking required to get started. Just add your expenses and let Centy do the rest.
1

Create your account

Sign up free in 30 seconds. No credit card, no bank login needed to start.

2

Log your expenses

Add transactions manually or import a CSV. Quick-add takes under 5 seconds.

3

AI analyzes your habits

Within 7 days, your AI model learns your patterns and flags waste automatically.

4

Save more every month

Follow weekly insights and watch your savings grow. Average user saves $180/mo.

Pricing
Start free. Upgrade when ready.
All plans include a 14-day free trial of Pro features. No credit card required.
Free
$0
forever, ad-supported
Perfect for getting started. Track expenses and set basic budgets with full access to core tools.
  • ✓ Up to 50 transactions/mo
  • ✓ 5 budget categories
  • ✓ Basic spending charts
  • ✓ Subscription audit (basic)
  • ✗ AI insights
  • ✗ PDF reports
  • ✗ Student mode
Get started free
Most Popular
Pro
$7.99
per month, billed monthly
The full Centy experience. AI-powered insights, no ads, and all the tools to actually save money.
  • ✓ Unlimited transactions
  • ✓ Unlimited categories
  • ✓ Full AI spending insights
  • ✓ Weekly email digest
  • ✓ Monthly PDF reports
  • ✓ Student mode
  • ✓ No ads
Start 14-day free trial
Student
$3.99
per month — verified students only
All Pro features at half price. Includes campus deals, semester budgeting, and textbook cost tools.
  • ✓ Everything in Pro
  • ✓ Semester budget planner
  • ✓ Student deal alerts
  • ✓ Textbook cost tracker
  • ✓ Campus dining optimizer
  • ✓ .edu verification required
  • ✓ No ads
Verify student status
Reviews
Loved by savers worldwide
★★★★★
"I had no idea I was spending $140/month on subscriptions I forgot about. Centy found them in 2 minutes. Cancelled 5 of them immediately."
JM
James M.
Freelance designer, 28
★★★★★
"As a college student, every dollar counts. The student plan is insanely good value — the semester planner alone is worth it for finals week budgeting."
SK
Sara K.
University student, 21
★★★★☆
"The AI insights are scarily accurate. It told me I overspend on weekends and suggested meal prepping. I've saved $200 in 6 weeks just from that one tip."
LR
Layla R.
Marketing coordinator, 25
Ready?

Take control of your money today

Join 12,000+ users already saving with Centy. Start free — no card needed.

Start for free View pricing →
Ad Track your investments too — Wealthfront gives you $5,000 managed free →