From your morning coffee to the apartment: all your money in one place.
Transactions, accounts, cards, goals, investments, and net worth — with reports that show, without spreadsheets, where every cent goes. In your language, on your phone, for the whole family.
No credit card required. The demo opens instantly, with sample data — no sign-up.
The same information on your computer and phone — installs like an app and works offline.
The AI that handles the boring work of your finances.
Cents reads your statement for you, chats about your spending, and delivers ready-made analyses — you always confirm before anything is recorded.
Included in the Pro and Family plans- Magic statement capture: send a photo or text and the AI identifies the date, amount, and category of every entry.
- AI advisor in chat that prepares entries, edits, and categorizations — and only acts with your confirmation.
- One-click ✨ analysis: entire reports summarized into insights you understand right away.
- Household Meeting, on the Family plan: a spoken monthly summary to decide together, no spreadsheet needed.
Try it — right here on the page
A sample bank statement, just like it comes from your bank. Click and watch the AI turn every line into a categorized entry, plus a bonus insight.
Sample statement
03/07 UBER *TRIP -32.9003/07 CORNER BAKERY -18.5003/08 TRANSFER RECEIVED - JOHN 800.0003/10 NETFLIX.COM -55.9003/12 SHELL GAS STATION -220.00
5 entries identified
- 🚕 Transportation — Uber *Trip — R$ 32.90
- 🥐 Food — Corner Bakery — R$ 18.50
- 💰 Income — Transfer received from John — R$ 800.00
- 🎬 Subscriptions — Netflix — R$ 55.90
- ⛽ Transportation — Shell gas station — R$ 220.00
Transportation already adds up to R$ 252.90 this month — 40% above your average over the last 3 months. Worth reviewing your ride-hailing trips before the month ends.
This is a demo with sample data and a pre-recorded answer — no file is uploaded and no AI credit is spent. In your account, the result comes from your real statement.
From daily routine to planning — all in one place
Everything works together: what you log today already shows up in the report, in the month's projection, and in your net worth over time. And every screen works the same on desktop and mobile.
Everyday finances, without the friction
Log an expense in seconds and let the rest run on autopilot. Cents handles the recurring entries, installments, and reconciliation with your bank statement.
- Recurring entries and installments that log themselves every month.
- Cards and statements with an alert before you hit your limit.
- Statement reconciliation: import and reconcile with one click.
- Transfers that don't clutter your income and expenses.
See how your month closes before it ends
The closing projection combines what's already happened with what's still due — recurring entries, statements, and scheduled payments — and tells you if the month ends in the black or in the red.
- Monthly income statement by category, showing what's left of each budget goal.
- Cash flow and low-balance alerts before you run short.
- Projected net worth for month's end, recalculated automatically.
- Every number has a tooltip explaining where it comes from.
Your investments and net worth — updated on their own
Far beyond your checking account. Add a Treasury Direct bond and Cents fills in the rate and maturity for you; track stocks, funds, and crypto with prices updated automatically; and see it all added to the value of your assets, in your net worth.
- Fixed income with Treasury Direct built into the form and a comparison against the CDI, savings, and inflation — rates come from the Central Bank.
- Stocks, funds, ETFs, and crypto with prices updated automatically — no quotes to type.
- Real estate and vehicles with appreciation and depreciation projected over time.
- It all adds up to your net worth, with a scenario simulator before you decide.
A complete system — not a digital notepad
Each block below is a piece of the system, designed to explain your money clearly. And every screen has a built-in “Understand this screen” guide.
Transactions
Income, expenses, recurring entries, installments, and transfers.
Accounts
Balances, activity, and statement reconciliation.
Cards
Statements, limit used, and alerts before you go over.
Monthly income statement
Income × expenses by category, with budget goals.
Cash flow & projection
How the month closes and your net worth over time.
Goals & targets
Category spending caps and savings goals with a target date.
Fixed income
Returns, Treasury Direct, and comparison against the CDI.
Portfolio
Stocks, funds, ETFs, and crypto with automatic quotes.
Physical assets
Real estate and vehicles with appreciation/depreciation.
Shopping lists
With price history for every item.
Family & access
Multiple users, groups, and per-account permissions.
Alerts
Goals, due dates, low balance, and card limit.
Security & LGPD
Audit trail, data export, and account deletion.
Artificial Intelligence
Statement capture, chat advisor, ✨ analyses, and the Household Meeting.
… and there's more: savings rate, overdue bills, spending by person, seasonality, spending ranking, year-over-year comparison, price history, goal adherence — 12+ reports in total.
Grab your phone and try it now
No sign-up needed. The demo opens a full environment, already filled with data, reset every day. Click around, explore the reports, and see if it's the right fit for you.
A plan for every stage of your financial life
Start free with Cents and grow at your own pace — no lock-in, no fine print.
Free
- Unlimited transactions: income, expenses, and accounts, no cap.
- 2 full credit cards, with statements and installments.
- Monthly income statement and shopping lists with price history.
- Works offline, no credit card required to start.
Pro
- Everything in Free, with no limit on cards, recurring entries, or goals.
- Import your bank statement (OFX or CSV) and reconcile with one click.
- Cash flow and net worth projections.
- Fixed income with an investment simulator.
- Assets & net worth (real estate, vehicles) and a living annual spreadsheet.
Family
- Everything in Pro, no exceptions.
- Up to 6 people in the same household.
- Everyone sees only what they should, with fine-grained permissions.
- Goals and shopping lists shared with the whole household.
Every new signup starts with 14 days of Family free, no card. Then pick a plan — or stay on Free. Cancel in one tap.
Why Cents is different
- Most apps unlock just 1 credit card for free; Cents gives you 2 full cards, with statements and installments.
- Others lock the month's report behind a paywall; here the income statement is free from day one.
- The usual answer for families is "share the password"; Cents gives you up to 6 logins, each with their own permissions.
- Cancel whenever you want, right in the app — no phone calls required.
Before you start
Do I have to pay?
You can start using it for free and explore the demo without signing up. Create your account whenever you're ready to bring in your own numbers.
Is my data safe?
Yes. Each family is kept isolated, with control over who sees what. You can export all your data or close your account whenever you want — it's the law (LGPD) and it's how Cents was built.
Does it work on mobile?
It does. Cents is an installable app: it opens right from your home screen, works offline, and syncs automatically once you're back online. No app store download needed.
Can I use it with my family?
You can. Invite whoever you want, set what each person can see per account, and even get the month's summary by email.
Is it only in Portuguese?
No — Cents speaks Portuguese, English, and Spanish, and you can switch languages anytime.
Can I track my investments?
Yes, and in depth. For fixed income you pick a Treasury Direct bond and Cents fills in the rate and maturity; the report also compares your return against the CDI, savings, and inflation (Central Bank rates). And your portfolio of stocks, funds, and crypto has prices updated automatically — all added up in your net worth.
Every cent counts. Start counting yours.
It takes less than a minute to create your account — or jump into the demo and see it in action right now.