Centiv AI: Budget & Save Money
Net Worth, Investing, Spending
About
This app uses AI money experts to manage your finances, track income and spending, and maximize savings. It offers features like conversational financial advice, personalized forecasts, and subscription management. Connect your bank accounts for automated financial health scoring and debt monitoring.
What's New in Centiv AI
2.5.0
July 21, 2026
¢ Splits — split any shared charge with friends, roommates, or a group. See who owes what and settle up without the awkward math. • Best card to pay with — Max shows which card in your wallet earns the most on every purchase. • Sharper subscription detection — Sentry catches more recurring charges and flags price hikes sooner. • A cleaner Home — Quick Actions redesigned so your next money move is one tap away. • Performance and polish fixes across the app. Seven AI advisors. One app for your whole financial life.
MoreSubscription plans
Centiv Premium
Unlimited accounts, ¢Score, insights, voice controlled
FAQ
What is Centiv AI's free plan?
The free plan is available forever and allows for one bank connection with unlimited accounts. This provides a solid foundation for users to begin managing their finances automatically.
How does Centiv AI ensure security?
Centiv AI uses bank-grade encryption for read-only connections to over 10,000 US banks. It does not store credentials and ensures your data is not used for AI training, complying with GDPR and CCPA.
What are the subscription options for Centiv AI?
Centiv AI offers Premium and Household plans with monthly and annual billing. Premium provides unlimited bank connections, while Household adds a partner user for shared financial insights.
How often is Centiv AI updated?
The app was last updated on 2026-07-01 with version 2.0.1, indicating regular development and maintenance to improve features and security.
What devices does Centiv AI support?
Currently, Centiv AI is available on iPhone devices. Users can manage their finances on the go through their iOS smartphones.
Can I talk to my money with Centiv AI?
Yes, the 'Coach' feature allows you to ask questions about your finances in plain language. It analyzes your real transactions to provide direct answers without jargon.
Does Centiv AI have ads?
No, Centiv AI does not contain advertisements. The app's monetization is based on its free plan and optional premium subscription tiers.
What is the user sentiment for Centiv AI?
Based on the provided data, Centiv AI has a high rating of 5.0 stars from 2 ratings, suggesting very positive initial user feedback.