# Centavo: Finanzas Personales — Controla tus gastos

> Comprehensive personal finance app for tracking expenses, budgeting, and savings goals. (iPhone/iPad app by Daniel Sarmiento.)

- Source: https://appshunter.io/ios/app/centavo-finanzas-personales/id6748099299 (this page in markdown: same URL + `.md`)
- Developer: [Daniel Sarmiento](https://appshunter.io/developer/1824327723)
- Category: Finance, Utilities
- Price: Free with in-app purchases (on sale, was $4.99)
- Rating: 4.00/5 from 3 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.6 · 46 MB
- Languages: Spanish
- Released: 2025-07-02
- Data updated: 2026-09-02
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/centavo-finanzas-personales/id6748099299/reviews.md

## What is Centavo?

Centavo is the most comprehensive personal finance app for iPhone, iPad, and Apple Watch. Track your expenses, create smart budgets, and reach your savings goals automatically.

SMART FINANCIAL MANAGEMENT
Record income and expenses using predefined categories: food, transportation, entertainment, utilities, health, and education. Each transaction is automatically organized with visual charts to help you analyze your monthly spending patterns.

AUTOMATIC RECURRING TRANSACTIONS
Set up automatic payments that repeat daily, weekly, or monthly. Define start and end dates, as well as the maximum number of repetitions. Perfect for salaries, rent, subscriptions, and fixed monthly expenses.

CUSTOMIZED BUDGETS
Create category-based budgets with real-time tracking. Visualize your progress with progress bars, get alerts when nearing your limit, and analyze detailed spending patterns. Set monthly, weekly, or yearly budgets.

EFFECTIVE SAVINGS GOALS
Set specific goals like vacations, a car, or an emergency fund. Define a target amount, deadline, and priority. The app calculates how much to save monthly and displays your progress with visual charts.

SMART REMINDERS
Never forget to record important transactions. Set up personalized reminders for recurring expenses, budget reviews, and savings contributions. Includes push notifications with suggested amounts and categories.

INTEGRATED APPLE WATCH
Access all features from your Apple Watch. Log transactions, check balances, view budgets, and track savings goals without needing your iPhone. Instant and automatic sync across devices.

CUSTOMIZABLE WIDGETS
Keep your finances visible with home screen widgets. Check total balance, goal progress, monthly summaries, and upcoming reminders without opening the app. Widgets auto-update in real time.

ANALYTICS & REPORTS
Gain valuable insights with detailed graphs, spending trends by category, monthly comparisons, and financial progress analysis. Visual reports that help you make better financial decisions.

ADVANCED PERSONALIZATION
Customize the app with themes, local currency settings, display formats, and privacy options. Fully compatible with dark mode and visually consistent across all Apple devices.

GUARANTEED SECURITY
Your data is protected with end-to-end encryption. Works completely offline without requiring online accounts. Your financial privacy is fully guaranteed.

AUTOMATIC SYNC
Instant synchronization between iPhone, iPad, and Apple Watch. Changes are reflected across all devices to keep your data up to date.

Centavo turns personal finance management into an intuitive and efficient experience. Track daily spending, plan major purchases, and build healthy saving habits with professional tools in a sleek interface.

Download Centavo and take full control of your personal finances — organized, secure, and accessible from any Apple device.

PREMIUM SUBSCRIPTION

Centavo Premium offers an auto-renewing monthly subscription at US$1.99/month to access all premium features including advanced trends, unlimited quick actions, and complete sync.

Payment will be charged to your iTunes Account when you confirm the initial subscription purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current subscription period.
Your account will be charged for renewal within 24 hours prior to the end of the current period.
You may manage your subscription and turn off auto-renewal by going to your Account Settings after purchase.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://centavoapp.com/privacy

## Key features

- Expense and income tracking
- Smart budgeting with real-time alerts
- Automated recurring transactions
- Customizable savings goals
- Personalized reminders and notifications
- Apple Watch integration
- Home screen widgets
- Detailed analytics and reports

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Centavo Premium Mensual | $5.99 | per month |
| Centavo Premium Anual | $44.99 | per year |
| Centavo Plan Mensual | $1.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Centavo Premium Toda la vida | $29.99 | one-time |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/centavo-finanzas-personales/id6748099299/reviews.md

### 4/5 — Anuncios molestos

*2026-02-08*

La app está muy buena pero como molestan esos anuncios… Son demasiados, invasivos y hasta dejan pegada la aplicación cuando salen algunos

**Developer response:** Gracias por tu sugerencia. Hemos lanzado una actualización con menos anuncios y sin publicidad invasiva, manteniendo solo los necesarios para que la app siga siendo gratuita. Seguimos mejorando la experiencia y la seguridad de tus finanzas.

### 4/5 — Pase trabajo para quitar los datos iniciales

*2025-08-24*

Para poder empezar a usar la app tuve que dar mucha vuelta para saber cómo quitar los ejemplos de valores q tenía. No hay una guía rápida de cómo usar la aplicación y te enredas para dar pie con lo que quieres hacer. Por lo demás diseño simple y atractivo, eso me gusta

**Developer response:** Excelente feedback, tienes razón. Trabajaremos para mejorar el uso para usuarios nuevos.

## Frequently asked questions about Centavo

### What is Centavo?

Centavo is a personal finance app designed for iPhone, iPad, and Apple Watch. It helps users track expenses, create budgets, and set savings goals with visual analytics and offline functionality.

### Is Centavo free to use?

Centavo is free to download and use, offering core features for personal finance management. It also provides a premium subscription for enhanced capabilities.

### What does Centavo Premium offer?

Centavo Premium offers an auto-renewing monthly subscription at US$1.99/month, unlocking all premium features for an enhanced financial management experience.

### Does Centavo have ads?

Yes, Centavo contains advertisements. As a free app with in-app purchases, it utilizes ads to support its services.

### How secure is Centavo?

Centavo guarantees security with end-to-end encryption for your financial data. It operates completely offline, ensuring your financial privacy is fully protected without requiring online accounts.

### Can I use Centavo on my Apple Watch?

Yes, Centavo is fully integrated with Apple Watch. You can log transactions, check balances, view budgets, and track savings goals directly from your wrist, with instant synchronization.

### How often is Centavo updated?

Centavo was last updated on March 15, 2026, with version 1.0.27. This indicates a commitment to ongoing development and improvements for users.

### What devices does Centavo support?

Centavo is compatible with iPhone, iPad, and Apple Watch, ensuring a consistent and accessible financial management experience across your Apple ecosystem.

## Version history (last 5 releases)

### 1.0.71 — 2026-06-16

• Enhanced currency formatting and input handling for a smoother experience
• Improved localization support across the app
• Updated Welcome screen with refined user interface
• Better support for custom categories and widgets
• Various UI improvements and bug fixes

### 1.0.70 — 2026-04-29

• Enhanced currency formatting and input handling for a smoother experience
• Improved localization support across the app
• Updated Welcome screen with refined user interface
• Better support for custom categories and widgets
• Various UI improvements and bug fixes

### 1.0.70 — 2026-04-29

• Enhanced currency formatting and input handling for a smoother experience
• Improved localization support across the app
• Updated Welcome screen with refined user interface
• Better support for custom categories and widgets
• Various UI improvements and bug fixes

### 1.0.61 — 2026-04-20

• Enhanced currency formatting and input handling for a smoother experience
• Improved localization support across the app
• Updated Welcome screen with refined user interface
• Better support for custom categories and widgets
• Various UI improvements and bug fixes

### 1.0.60 — 2026-04-16

• Enhanced currency formatting and input handling for a smoother experience
• Improved localization support across the app
• Updated Welcome screen with refined user interface
• Better support for custom categories and widgets
• Various UI improvements and bug fixes

## Apps similar to Centavo

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| --- | --- | --- | --- |
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| [Neto: Money & Net Worth](https://appshunter.io/ios/app/neto-money-and-net-worth/id6757704061) | 5.0 (8) | Free | Finance |
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## More apps by Daniel Sarmiento

- [Hato: Livestock App](https://appshunter.io/ios/app/hato-livestock-app/id6755979413)
- [SpeedCube App](https://appshunter.io/ios/app/speedcube-app/id6757718148)

All apps by Daniel Sarmiento: https://appshunter.io/developer/1824327723

## Related topics

[daniel sarmiento](https://appshunter.io/ios/topics/daniel-sarmiento)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*