# Cently: Budget & Spending — Budgets without a bank login

> Budgets without a bank login (iPhone/iPad app by Shan Nirmala.)

- Source: https://appshunter.io/ios/app/cently-budget-and-spending/id6814873947 (this page in markdown: same URL + `.md`)
- Developer: [Shan Nirmala](https://appshunter.io/developer/1792717178)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.5 · 104 MB
- Languages: American English
- Released: 2026-09-25
- Data updated: 2026-10-13

## What is Cently?

Cently turns your spending into budgets, bills and one clear daily number — privately, on your phone. No bank login, ever.

WITHOUT HANDING OVER YOUR BANK LOGIN
Cently never connects to your bank and never asks for banking credentials. Your bank already texts you when you spend; Cently reads those messages on your phone and turns them into entries. Set up one Shortcuts automation (iOS 17 or later — the app walks you through it, screen by screen) and it happens by itself. Prefer not to? Paste or share a message, scan a receipt, or type "lunch 12" and it's filed.

ONE NUMBER THAT ANSWERS "CAN I SPEND THIS?"
Safe-to-Spend takes your income, your budgets, the bills still to come and what you've already spent, and shows what's left for today. It updates the moment a spend is added, and it works offline.

WHAT'S IN THE FREE APP
• Capture: automatic (via Shortcuts), paste, share, receipt scan, or two-tap quick add
• Budgets per category, including festival budgets for your own country
• Bills and subscriptions, with what's due and when
• Savings goals tracked to the date
• Up to 10 accounts, cards and cash together
• Last month's statement as a PDF, and CSV/Excel export
• Encrypted backups you control
• Light and dark themes, PIN or Face ID lock

CENTLY PRO
• No ads, ever
• Encrypted sync across your devices — end-to-end, so our server cannot read it
• Family vault: share budgets and chosen transactions with your household
• Home-screen widgets
• Cashflow forecast: where your balance is heading, and which days are tight
• Subscription Detective: recurring charges and price rises
• Unlimited receipt scans, every statement period, CSV/Excel import
• Unlimited accounts, assets and net worth
• Ask Cently: ask about your month in ordinary words

PRIVACY, PLAINLY
Your transactions, budgets, notes and photos stay on your phone. Bank message text is never stored — only the amount, merchant, date and a fingerprint to skip duplicates. Everything that could leave the phone is off until you turn it on, and the Privacy dashboard shows exactly what each one sends. Ask Cently is the one feature that is not end-to-end encrypted: your question and a few totals go to our server and on to OpenAI to write the answer, never your transactions.

WORKS IN YOUR CURRENCY
Any country, any currency, picked up from your region and changeable any time.

SUBSCRIPTION DETAILS
Cently Pro: $1.49/month or $9.99/year (prices vary by country and are lower in many). Both start with a 7-day free trial; cancel before it ends and you pay nothing. Subscriptions renew until cancelled in your App Store settings.

Terms: https://cently.nodemint.dev/legal/terms/
Privacy Policy: https://cently.nodemint.dev/legal/privacy-policy/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Cently Pro Monthly | $1.49 | per month |
| Cently Pro Annual | $9.99 | per year |


## Is Cently safe?

Not enough ratings yet to assess Cently.

## Is Cently legit?

Cently: Budget & Spending appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Cently is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.0.11 — 2026-10-13

What's New in Version 1.0.11:

• Streamlined Cloud Backup & Sync:
  Setting up your end-to-end encrypted recovery phrase is now faster, clearer, and more secure than ever.

• Backup Reminders for Pro:
  Never risk losing your financial history. Cently Pro users now receive helpful reminders to securely store their encryption keys and keep cloud sync active across devices.

• Display & Layout Improvements:
  Refined the Pro upgrade screen layout so subscription options and pricing details are clearly visible above the fold on smaller screens.

• Smoother Onboarding:
  Polished navigation and transition flows when setting up accounts and initial budgets.

• Performance & Stability:
  Under-the-hood optimizations for background data synchronization and enhanced reliability.

### 1.0.9 — 2026-10-11

• Expanded Bank Support: Added automated SMS capture support for DFCC Bank debit alerts and ATM transactions.
• Smarter Capture & Dedup: Refined simultaneous SMS processing to seamlessly handle twin messages and bank OTPs without duplicates.
• Free vs. Pro Comparison: Clear, transparent breakdown of all features when exploring upgrades.
• In-App Help & Feedback: Easily report app issues, share feedback, or check for new updates directly from Settings.
• UI & Theme Polish: Crisp new controls and perfected contrast across all 8 theme packs.
• Performance & Stability: Fixes for background timers and smoother quick-add flow.

### 1.0.8 — 2026-10-10

• Enhanced iOS Automation: Setting up automated bank message capture is now smoother than ever on iOS 16 through iOS 26 with an interactive, step-by-step visual setup guide and video walkthrough.
• Improved Share Extension: Sharing receipts and transactions from other apps is now faster and more reliable.
• Sync & Vault Stability: Smarter cloud sync recovery and connection handling.
• Performance improvements and bug fixes throughout the app.

### 1.0.7 — 2026-10-09

Smarter, more accurate auto-tracking
• Card alerts and merchant payments (fuel stations, highway tolls, contactless POS, online checkouts) are now recognized instantly and accurately categorized as expenses.
• Card payment authorizations ("Auth Pmt", "debited", "swiped") are captured cleanly with correct merchant names and dates.
• Improved currency and format support across the Middle East (AED, SAR, KWD, QAR, BHD), Asia, and North America.
• Smarter direction detection ensures payments and card debits are never mistaken for income.

Family & Sync improvements
• Smoother family vault recovery and sync reconnection when setting up or restoring your devices.
• Faster, more reliable background syncing across all your shared budgets.

Performance & polish
• Refined inbox review speed and various reliability fixes under the hood.

### 1.0.6 — 2026-10-04

Family sharing & multi-device sync • Reinstalling Cently or moving to a new phone now automatically restores your Family Sharing group, members, and shared records as soon as you sign in. • Setting up Cently on a second device (like an iPad or second phone) now detects your existing cloud vault right away and guides you smoothly into restoring it. • Improved recovery phrase handling and clearer status checks when connecting your devices.

Pro & accounts polish • Cently Pro users now see a clean account list without the free tier "X of 10 accounts used" limit banner. • App version and build number are now clearly shown at the bottom of Settings, with a tap-to-copy shortcut to make support queries effortless.

Under the hood • Updated Shortcuts automation setup and direct links for automated tracking on iOS. • Reliability fixes for cloud sync, vault detection, and background cleanups.

## Apps similar to Cently

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [WageBeacon: Work & Pay](https://appshunter.io/ios/app/wagebeacon-work-and-pay/id6789991033) | — | Free | Finance |
| [Cently: Daily Cost Tracker](https://appshunter.io/ios/app/cently-daily-cost-tracker/id6759418809) | — | Free | Finance |
| [Expense & Budget Tracker App](https://appshunter.io/ios/app/expense-and-budget-tracker-app/id6756968843) | — | Free | Finance |
| [PExP - Personal Expense](https://appshunter.io/ios/app/pexp-personal-expense/id6761728308) | — | Free | Finance |
| [Expense Manager - Budget App](https://appshunter.io/ios/app/expense-manager-budget-app/id6744145641) | — | Free | Finance |
| [AI Finance Advisor](https://appshunter.io/ios/app/ai-finance-advisor/id6639614681) | 4.6 (11) | Free | Finance |

## More apps by Shan Nirmala

- [Sinhala Calendar](https://appshunter.io/ios/app/sinhala-calendar/id6741044878)
- [GPA Calculator - Track Grades](https://appshunter.io/ios/app/gpa-calculator-track-grades/id6756837796)
- [Recipix](https://appshunter.io/ios/app/recipix/id6756886332)

All apps by Shan Nirmala: https://appshunter.io/developer/1792717178

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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 2026-10-13.*