# CentsCheck

> CentsCheck is a budgeting app for iPhone and Android. Its main screen is one daily number, Safe-to-Spend: what you can spend today after bills and savings are set aside, and whether your money lasts to payday. It does not connect to bank accounts.

Facts:

- Budget: a monthly budget that can start on any day of the month. Safe-to-Spend is that budget, minus fixed bills, savings and what you have spent so far, divided by the days left.
- Logging: by hand, by scanning a receipt, or by importing a statement file or a screenshot of a wallet or banking app. The free plan saves 2 imports of up to 10 rows each.
- No bank login and no ads. It works offline; sign-in is optional. Personal spending fields are encrypted on the phone before backup (this is not end-to-end encryption).
- Price: free to start. CentsCheck Pro costs US$4.99 a month, US$34.99 a year or US$89.99 once in the US; each store charges its own local price, listed on the pricing page. CentsCheck Business (US$7.49 a month or US$74.90 a year in the US, or the local price in Malaysia, Singapore and 11 other currencies) is sold on the web and includes Pro.
- AI Link: a remote MCP server that lets Claude, Grok, Cursor, ChatGPT and other MCP clients log entries and answer questions about your budget. It is free on every plan.
- Made by Lamonade. Contact: hello@centscheck.com.

## Pages

- [Home](https://centscheck.com/): See what you can safely spend today, with bills taken out first, and know if your money lasts to payday. No bank login, no ads. Free on iOS and Android.
- [Features](https://centscheck.com/features): Explore CentsCheck features across Safe-to-Spend budgeting, fast expense logging, Shared Pools, portfolio tracking, insights, privacy, exports, and AI Link agent workflows.
- [Pricing](https://centscheck.com/pricing): Free and Pro compared, with the App Store and Google Play price for each country.
- [AI Link](https://centscheck.com/ai-link): Connect Claude, Grok, Cursor or another MCP agent to CentsCheck. Log expenses and ask about your budget in chat. You approve the connection, can undo changes, and there are no bank logins.
- [AI Link setup guide](https://centscheck.com/support/ai-link): Connect CentsCheck AI Link to Claude, Grok, Cursor, ChatGPT, or another remote MCP client with secure setup steps and a real connection check.
- [CentsCheck Business](https://centscheck.com/business): See what your business booked and what clients still owe. Review profit and loss, clients, and unpaid invoices without linking a bank account.
- [Support and FAQ](https://centscheck.com/support): Get help with CentsCheck subscriptions, account deletion, data privacy, exports, free plan features, and app support.
- [Privacy policy](https://centscheck.com/privacy): How CentsCheck handles your money data: offline-first storage, anonymous accounts, fields encrypted before sync (not end-to-end), and what AI Link can read.
- [Release notes](https://centscheck.com/releases): Follow the CentsCheck release timeline with product updates, AI Link launches, Shared Pools, portfolio tracking, dashboard improvements, and fixes.
- [About](https://centscheck.com/about): Read the story behind CentsCheck, a solo-built money tracker shaped by privacy, everyday spending clarity, and respect for every cent.

## Blog

- [Spendee Alternative: A Budget App Without Bank Login](https://centscheck.com/blog/spendee-alternative): Spendee and CentsCheck side by side, checked against Spendee's own pages: bank login, a daily number, currencies, price, and when to stay.
- [Money Manager Alternative With a Daily Spending Number](https://centscheck.com/blog/money-manager-alternative): Money Manager and CentsCheck side by side, checked against Money Manager's own pages: a daily number, AI logging, currencies, sync, and when to stay.
- [YNAB Alternative: A Budget App Without Bank Login](https://centscheck.com/blog/ynab-alternative): YNAB and CentsCheck side by side, checked against YNAB's own pages: bank login, a daily number, currencies, price, and when to stay with YNAB.
- [Monarch Money Alternative Without Bank Linking](https://centscheck.com/blog/monarch-alternative): Monarch and CentsCheck side by side, checked against Monarch's own pages: bank connections, a daily number, currencies, price, and when to stay.
- [Copilot Money Alternative Without Bank Linking](https://centscheck.com/blog/copilot-money-alternative): Copilot Money and CentsCheck side by side, checked against Copilot's own pages: bank login, Android, currencies, price, and when to stay.
- [How to Budget From Payday to Payday](https://centscheck.com/blog/budget-from-payday-to-payday): End your budget period the day before your next payday. A method for monthly, every-two-weeks, weekly and irregular pay, plus 2027's three-paycheck months.
- [Seedly App Shut Down? A Simple Alternative for Singapore](https://centscheck.com/blog/seedly-alternative): Seedly's app closed at the end of 2025. What to look for in a replacement, and a five-minute way to start fresh without your old history.
- [Manual Expense Tracking: Faster Than You Think](https://centscheck.com/blog/manual-expense-tracking): The spreadsheet-era case against logging your own spending no longer holds. Entry takes seconds now, and the small moment of noticing is what actually changes habits.
- [How to Budget With Irregular Income (Without Guessing)](https://centscheck.com/blog/budgeting-with-irregular-income): Four principles for budgeting when pay is uneven: anchor to payday, pace instead of allocating, forecast honestly, and keep business money separate.
- [How to Split Expenses Without Sharing Bank Accounts](https://centscheck.com/blog/split-expenses-without-sharing-accounts): Couples, roommates, and trip groups can split fairly without a joint account or shared logins — the pool model, and how your share flows back into your own budget.
- [Budget App Without Bank Linking: Why It Works](https://centscheck.com/blog/budget-app-without-bank-linking): How budgeting without a bank link works, what the automatic feed really costs, and what to look for in an app instead.
- [What Is Safe-to-Spend Budgeting? A Calmer Way to Budget](https://centscheck.com/blog/what-is-safe-to-spend-budgeting): One daily number instead of fifteen category bars: how the safe-to-spend method works, the math behind it, and how to start.

## Download

- [App Store](https://apps.apple.com/app/apple-store/id6756982774?pt=128398307&ct=llms_txt&mt=8)
- [Google Play](https://play.google.com/store/apps/details?id=com.lamonade.centscheck&referrer=utm_source%3Dcentscheck.com%26utm_medium%3Dwebsite%26utm_campaign%3Dllms_txt)