# Cents: Finance Tracker — Budgets, Wallets, Offline

> Budgets, Wallets, Offline (iPhone/iPad app by Ahmed Abolfadl.)

- Source: https://appshunter.io/ios/app/cents-finance-tracker/id6812862063 (this page in markdown: same URL + `.md`)
- Developer: [Ahmed Abolfadl](https://appshunter.io/developer/6803842043)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 56 MB
- Languages: American English
- Released: 2026-09-22
- Data updated: 2026-10-09

## What is Cents?

Cents is a personal finance tracker that runs entirely on your iPhone. No account. No server. No sign-up. Your financial records never leave your device.

LOG IN FIVE SECONDS
A keypad-first sheet that opens straight to the amount. Pick a category, tap done. Arithmetic works in the keypad, so 12+8.50 is a perfectly good amount to type.

EVERY WALLET, EVERY CURRENCY
Cash, bank accounts, savings — each with its own currency. Transfers move money between them without polluting your income and expense totals. Exchange rates update automatically, or you can enter them by hand and switch the updates off entirely.

BUDGETS THAT MATCH REAL LIFE
Weekly, monthly, or a custom period starting on the day you actually get paid. Scope a budget to a category, a tag, or a single wallet. Roll the remainder forward, or don't. See your pace through the period, not just the total.

DEBTS, LOANS AND CERTIFICATES
Amortising loans with a full payment schedule and the principal-and-interest split on every payment. Record extra payments and watch the remaining schedule regenerate. The payoff simulator shows what paying a little more each month would actually save you.

INSIGHTS THAT SAY SOMETHING
Where the money went, how this month compares with the last, which categories are creeping up, what your net worth has done over a year. Charts are readable with VoiceOver, and colour is never the only signal.

RECURRING, HANDLED
Rent on the 1st, salary on the 25th, a subscription every 14 days. Cents posts them when they fall due and can remind you the day before — with local notifications that never touch a server and need no push token.

YOUR DATA, IN YOUR FILES
Export every transaction to CSV. Take a full backup and restore it on another device. Nothing is locked in, and nothing needs the developer's permission to leave.

PRIVATE BY CONSTRUCTION
• No analytics. No trackers. No advertising identifier.
• Face ID app lock, with your figures hidden in the app switcher.
• Exactly one outbound request exists in the whole app: today's exchange rates, containing a currency code and nothing else. Turn it off and the app still works.
• The App Store privacy label reads "Data Not Collected", because that is accurate.

FREE, AND FREE MEANS FREE
Every feature is included. There is no premium tier, no paywall and no trial. Donations exist, unlock nothing, and half of every one goes to elementary education in Egypt.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| A coffee | $4.99 | one-time |
| A good lunch | $9.99 | one-time |
| A generous one | $24.99 | one-time |
| Extraordinarily generous | $99.99 | one-time |


## Is Cents safe?

Not enough ratings yet to assess Cents.

## Is Cents legit?

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


## Version history (last 4 releases)

### 1.5.0 — 2026-10-09

Minor fixes in onboarding and added widgets

### 1.4.0 — 2026-10-01

Changes to UI and small extra features

### 1.3.0 — 2026-09-24

Added Gold & Silver investments, Instapay and E-wallets, Fast logging, and refunds. In addition to substantial fixes for Onboarding.

### 1.2.1 — 2026-09-22

No release notes.

## Apps similar to Cents

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Fakarny](https://appshunter.io/ios/app/fakarny/id6760719601) | — | Free | Finance |
| [Nest Egg - Simple Budget App](https://appshunter.io/ios/app/nest-egg-simple-budget-app/id6786189366) | — | Free | Finance |
| [Spend Tracker: know your money](https://appshunter.io/ios/app/spend-tracker-know-your-money/id6758665242) | — | Free | Finance |
| [Basic Budget: Expense Tracker](https://appshunter.io/ios/app/basic-budget-expense-tracker/id6810966965) | — | Free | Finance |
| [Wallet Buddy!](https://appshunter.io/ios/app/wallet-buddy/id6738414239) | 5.0 (6) | Free | Finance |
| [Currency Converter: Live Rates](https://appshunter.io/ios/app/currency-converter-live-rates/id1559711967) | 4.7 (26) | Free | Finance |

## More apps by Ahmed Abolfadl

- [Lckdin; Gym & Workout Tracker](https://appshunter.io/ios/app/lckdin-gym-and-workout-tracker/id6803842041)
- [Trivial: Group & Solo Trivia](https://appshunter.io/ios/app/trivial-group-and-solo-trivia/id6808177746)
- [Pico: Daily Puzzles](https://appshunter.io/ios/app/pico-daily-puzzles/id6809026458)

All apps by Ahmed Abolfadl: https://appshunter.io/developer/6803842043

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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 2026-10-09.*