# CentsCheck — Expense & budget tracker app

> Expense & budget tracker app (iPhone/iPad app by Kah Mun Lam.)

- Source: https://appshunter.io/ios/app/centscheck/id6756982774 (this page in markdown: same URL + `.md`)
- Developer: [Kah Mun Lam](https://appshunter.io/developer/1864007443)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 9+
- Requires: iOS 17.0 · 110 MB
- Languages: American English
- Released: 2026-01-08
- Data updated: 2026-10-09

## What is CentsCheck?

Confucius said: "He who will not economize will have to agonize." CentsCheck revives that ancient wisdom: simple, private spend tracking that helps you take control.

Log transactions in seconds. Spot patterns, set limits, and let small, mindful choices add up — all privately, offline-first, with optional cloud sync that encrypts your personal spending fields on your device.

Why Choose CentsCheck?

1. Safe-to-Spend — Completely Free
See exactly how much you can spend today (or this week) without breaking your budget, calculated from your real income, fixed bills, and what's already spent. Forecast-to-payday shows where you'll land — and a tap opens the actual math, line by line. No guesswork, no paywall.

2. Quick, Frictionless Entry
Floating action button, smart calculator input, snap receipts to auto-fill, notes, and one-tap categorization. Log from your iPhone, your Apple Watch, a Home Screen widget — or just ask Siri.

3. Categories That Fit Your Life
Carefully chosen starter categories, plus room for your own. Pro unlocks up to 40 expense, 15 income, and 15 investment categories with full renaming, archiving, and editing.

4. Flexible Budgets & Savings Goals
Set budgets per category, mark Fixed and One-time bills so they don't skew your daily pace, and track progress with clean bars. Pro users create up to 15 savings goals (vs. 3 free).

5. Pools: Shared Expenses Done Fairly
Split costs with friends, roommates, partners, or trips. Easy invite codes, real-time balances, pool Safe-to-Spend, and automatic personal budget sync. Equal and exact splits are free; percentage and share splits, settlements, and pool budgets come with Pro. Join unlimited pools free.

6. CentsCheck Business — Your Small-Business Cockpit
A separate plan for freelancers and small teams: revenue, expenses, and profit at a glance, per-client P&L, invoice tracking with due-date reminders, custom fiscal year, profit set-aside and distributions, and a Business Pack export (P&L PDF, CSV, receipts) your accountant can use as-is. Runs on your iPhone and the web cockpit at app.centscheck.com.

7. Money Briefs & Clear Insights — No Fluff
Spending trends, category breakdowns, unusual-spending alerts, and Money Briefs delivered as private notifications. Free users get monthly summaries; Pro gets weekly briefs and shareable reports.

8. CentsCheck AI Link — Your Finance Assistant
Connect the AI assistant you already use, such as ChatGPT or Claude. Asking questions is free and unlimited; logging and fixing transactions includes 25 free actions a month, unlimited with Pro. Your AI can propose budget plans, and nothing changes until you approve it in the app. You grant access, every action is logged, and anything can be undone.

9. Investment Portfolio (Pro)
Track stocks, ETFs, and crypto with current market prices, integrated with transaction logging and your cashflow chart.

10. Private by Design
Your data stays on your device. Optional Apple/Google sign-in adds cloud backup and sync, with your personal spending fields encrypted on your device before they upload. No ads, no data selling.

No forced subscriptions. No data sold. Honest tools to spend smarter today and grow mindfully for tomorrow.

Subscription terms

CentsCheck Pro: US$4.99/month or US$34.99/year. CentsCheck Business: US$6.99/month or US$59.99/year. All four auto-renew. CentsCheck Pro Lifetime is a one-time purchase that never renews. New Pro monthly subscribers get a 7-day free trial; any unused part of a trial is forfeited on purchase.

Prices are in US dollars and vary by region — your local price is shown before you buy. Payment is charged to your Apple Account at confirmation, and a subscription renews unless auto-renew is turned off at least 24 hours before the period ends. Manage or cancel anytime in Settings > Apple Account > Subscriptions.

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| CentsCheck Pro Monthly | $4.99 | per month |
| Pro - Annual | $34.99 | per year |
| Business Monthly | $6.99 | per month |
| Business Annual | $59.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| CentsCheck Pro Lifetime | $89.99 | one-time |



## Version history (last 5 releases)

### 2.7.21 — 2026-10-03

- Fixed an iPhone crash and improved sync recovery.
- Portfolio keeps saved market prices when a refresh fails and returns to its normal size when you switch tabs.
- Chart values now animate smoothly.
- Account and data deletion keep remaining local data if the process cannot finish.

### 2.7.20 — 2026-09-29

You can now add and rename Business clients from your phone.

### 2.7.19 — 2026-09-28

• AI Link guides setup for Claude, Grok, and Cursor. It resumes after sign-in and can record stock or crypto trades through a connected assistant.
• Sync no longer flags unchanged records as conflicts and keeps older synced records intact.
• Portfolio charts use past market prices when available and include stocks you later sold. Past-month holdings update when trades sync.
• Maintenance update.

### 2.7.18 — 2026-09-24

• AI Link guides setup for Claude, Grok, and Cursor. It resumes after sign-in and can record stock or crypto trades through a connected assistant.
• Sync no longer flags unchanged records as conflicts and keeps older synced records intact.
• Portfolio charts use past market prices when available and include stocks you later sold. Past-month holdings update when trades sync.
• If you contact us about a subscription, we can now find your signed-in account more easily using the email address on your account.

### 2.7.13 — 2026-09-21

• If you are not signed in, setting up AI Link asks you to sign in first, then continues the setup you started. If you cancel, you stay on the setup screen.
• AI Link shows whether assistant access is enabled.
• When you ask a connected assistant to buy or sell stocks or crypto, the trade appears in Portfolio. A sale reduces the holding.

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| --- | --- | --- | --- |
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| [Thrust: Money Manager](https://appshunter.io/ios/app/thrust-money-manager/id6757976821) | — | Free | Finance |

## More apps by Kah Mun Lam

- [Habeat](https://appshunter.io/ios/app/habeat/id6772064257)

All apps by Kah Mun Lam: https://appshunter.io/developer/1864007443

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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.*