# Cently: AI Finance Assistant — Spending, Budgets, Insights

> Spending, Budgets, Insights (iPhone/iPad app by upCaret.)

- Source: https://appshunter.io/ios/app/cently-ai-finance-assistant/id6760440430 (this page in markdown: same URL + `.md`)
- Developer: [upCaret](https://appshunter.io/developer/1884488294)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 20 MB
- Languages: American English
- Released: 2026-03-24
- Data updated: 2026-07-31
- User reviews in markdown: https://appshunter.io/ios/app/cently-ai-finance-assistant/id6760440430/reviews.md

## What is Cently?

Cently turns your bank accounts, credit cards, and receipts into clear answers and simple next steps, no spreadsheets, no guesswork.

Connect your accounts in minutes with Plaid, or upload CSV files from any bank. Cently cleans, categorizes, and enriches every transaction automatically, so your financial picture stays accurate and current.

Ask anything about your money
Chat with Cently in plain English. Ask "What did I spend the most on last month?" or "Which subscriptions can I cancel to save money?" and get real answers, complete with charts, comparisons, and summaries built from your actual data.

A financial assistant that reaches out first
Cently doesn't just wait for you to ask. When something's worth knowing, a new subscription, an unusual charge, a shift in your spending, it starts the conversation and explains what's going on in plain English. Turn it on or off anytime in Settings.

Receipt and invoice parsing
Snap a photo or upload a PDF. Cently pulls out every line item and matches it to the right transaction, so you get tax-ready records without typing a thing.

Spending insights at a glance
Your home dashboard shows spending by category, monthly trends, and recent activity. Pin what matters most and set spend alerts so nothing catches you off guard.

Smart categorization that learns
Cently categorizes transactions automatically and gets sharper the more you use it, learning from your own spending patterns instead of a generic model.

Bank-grade security
SOC 2 Type II certified. TLS encryption in transit, AES-256 at rest. Powered by Plaid and Stripe. We never sell your data, and deleting your account is permanent, not just deactivated.

Start your 7-day free trial. No credit card required. Cancel anytime.

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Cently Pro | $7.99 | per month |
| Cently Pro | $79.99 | per year |



## Version history (last 5 releases)

### 1.0.32 — 2026-07-31

- Cently now remembers your past conversations, so you can pick up right where you left off instead of repeating yourself.
- Chat runs on a smarter model, giving you sharper, more accurate answers.
- New: turn on "Proactive assistant" in Settings > Alerts to have Cently reach out when it spots something worth flagging, like a new subscription or an unusual charge.
- Bug fixes and performance improvements.

### 1.0.31 — 2026-07-15

Performance and stability improvements

### 1.0.30 — 2026-07-12

Performance and stability improvements

### 1.0.29 — 2026-07-11

Performance and stability improvements

### 1.0.28 — 2026-07-10

Copy to clipboard button for receipt forward email address

## More apps by upCaret

- [Chazown](https://appshunter.io/ios/app/chazown/id6764883024)

All apps by upCaret: https://appshunter.io/developer/1884488294

## Related topics

[ai finance assistant](https://appshunter.io/ios/topics/ai-finance-assistant)

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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 2026-07-31.*