# Centiv AI: Budget & Save Money — Net Worth, Investing, Spending > AI-powered personal finance manager for automated budgeting, saving, and net worth tracking. (iPhone/iPad app by High Five Creations LLC.) - Source: https://appshunter.io/ios/app/centiv-ai-budget-and-save-money/id6760439070 (this page in markdown: same URL + `.md`) - Developer: [High Five Creations LLC](https://appshunter.io/developer/1883504289) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 16.0 · 78 MB - Languages: American English - Released: 2026-05-26 - Data updated: 2026-08-27 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/centiv-ai-budget-and-save-money/id6760439070/reviews.md ## What is Centiv AI? Whether you are maximizing your money or your time, Centiv caters to both. It aptly sets your finances on autopilot, so you can focus on life, family, lifestyle and career. Centiv deploys its squad of AI money experts to handle your money, closely tracking your income and spends, while maximizing your assets and savings. Once you accounts are connected, Coach, Sage, Ace, Warden, Sentry, Max and Clerk get to work, reading and categorizing your transactions, scoring your financial health, assessing your net worth, flagging sneaky subscriptions and identifying interest drains. It even detects suspicious or unrecognized transactions, as well as cancel the subscriptions on your consent. No manual entry, no spreadsheets, no rigid budgets. Simply click, chat or talk to get going. YOUR PERSONAL AI SQUAD Coach — talk to your money Ask anything, anytime. "Can I afford this?" Coach reads your real transactions and gives you a straight answer — no jargon, no upsell. Sage — forecasts and budgets that fit your life Monthly forecasts, goals and budgets built around your actual income and spends, not a generic template. Sage tracks progress weekly. Ace — your ¢Score, explained A real-time financial health score across 6 dimensions — cash flow, debt, savings, spending, stability, growth. Ace tells you exactly what to focus on next. Warden — watches your debt Real credit limits, real interest costs, and an alert before a balance quietly costs you more. Sentry — catches the leaks Forgotten subscriptions, surprise charges — flagged before they become a habit. Max — identifies rewards and best cards for purchases. Recommends best card to use. Maps credit cards to purchases and identifies which ones to use for max benefits. Clerk — your receipts get organized and become smarter Snap a photo and Clerk extracts merchant, items, totals, and tax — so refunds, offers, discounts never slip through. Centiv supports household finance — invite a partner and see your money together. Shared insights, individual privacy. LIVE YOUR LIFE — CENTIV HANDLES THE MONEY SIDE Centiv supports your choices and adds context. You set your life's financial focus and change that at anytime. Centiv adjusts to your life choices, maximizing your potential. Free Plan - Free forever with one bank connection and unlimited accounts Premium - Unlimited bank connections and accounts Household - Premium + 1 partner user PRIVACY & SECURITY Bank connections are read-only across 10,000+ US banks and credit unions. Bank-grade encryption, no stored credentials, no AI training on your data. Your data is yours. Delete and disconnect on one-click. GDPR and CCPA compliant. Privacy policy: centiv.app/privacy ## Key features - AI-driven financial management - Automated transaction categorization - Personalized budgeting and forecasting - Financial health scoring - Subscription and expense flagging - Receipt scanning and organization - Household finance sharing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Centiv Premium | $12.99 | per month | | Centiv Premium Annual | $109.99 | per year | | Centiv Premium Household Monthly | $14.99 | per month | | Centiv Premium Household Annual | $125.99 | per year | ## Frequently asked questions about Centiv AI ### 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. ## Version history (last 5 releases) ### 2.5.0 — 2026-07-21 ¢ 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. ### 2.0.2 — 2026-07-04 A smoother welcome into Centiv More confidence when connecting your bank Your advisors start showing value faster A clearer path to unlock Premium A better first look at your money dashboard Smarter Coach answers about rewards Easier ways to browse your savings history ### 2.0.1 — 2026-07-01 Centiv v2.0.1 adds more ways to manage real-life money: shared spending, Safe-to-Spend planning, and a new Check-In screen that helps you review what changed and stay grounded without digging through every transaction. New Check-In screen for quick money reviews. New spend-splitting support for shared expenses. New Safe-to-Spend tools for stretching money over a set window. Meet Max, Centiv’s rewards advisor for card strategy and reward estimates. Cleaner notifications, account visuals, and recurring-payment tracking. ### 1.1.7 — 2026-06-21 New in Centiv: Demo mode, faster setup, and launch offers. • Try Centiv with demo data before connecting a bank • New Premium launch offer for early users • Improved onboarding and read-only bank connection flow • Cleaner money insights across budgets, subscriptions, debt, and net worth • Stability and performance improvements ### 1.1.5 — 2026-06-03 Smoother navigation — no more dead ends around subscriptions, budgets, and account setup. • Sharper debt insights from Warden — real credit limits, smarter interest tracking. • New savings insights from Sage. • Faster subscription updates and a smoother sign-in. • Stability and performance improvements. --- *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 2026-08-27.*