Centamo: Spending Tracker

Centamo answers one question: where does your money go? Record an expense in seconds and see what you spend on each month, what your subscriptions cost you per year and how your spending changes over time. No sign-up, no bank login, no cloud. Your numbers stay encrypted on your iPhone. OVERVIEW • Expenses, income and the month's balance at a glance • Spending by category, sorted by amount, with share and change on last month • Fixed and variable costs QUICK ENTRY • Type the amount and tap one of your most used categories: saved, with undo • Title suggestions from earlier entries • Add a note, tags or a receipt when you need them RECEIPT SCAN • Scan a receipt with the camera or pick a photo • Text recognition runs on your iPhone and suggests amount, date and merchant • Nothing is applied until you confirm; the receipt is stored encrypted with the booking FIXED COSTS & SUBSCRIPTIONS • All regular expenses with their monthly and yearly amount • Next due date, notice period and price changes • Enter a regular payment once; Centamo counts it automatically on its due date • Skip a single payment if it does not happen INCOME • Salary, side jobs and refunds by source, regular and one-off • The share of your income that goes on fixed costs HISTORY & REPORTS • Twelve months at a glance with the biggest changes • Category averages compared with the previous year • Reports for a month or a year with comparisons and top merchants • Export as CSV or PDF WIDGETS • This month, Fixed costs and Quick entry on your Home Screen and Lock Screen • Amounts are hidden by default PRIVACY • No account and no bank connection • The database is encrypted with SQLCipher, receipts and documents with AES-GCM; the keys stay in the iOS Keychain on this device • No analytics, no tracking, no ads, no network connections • Optional app lock with Face ID, Touch ID or the device passcode • Encrypted backups protected by a password you set • Neutral local reminders for due fixed costs and notice periods Centamo is not financial, tax or legal advice.