# Centsible: Budget & Finance — Budget & Expense Tracking

> Envelope budgeting and expense tracking for financial control and savings goals. (iPhone/iPad app by Centsible Labs LLC.)

- Source: https://appshunter.io/ios/app/centsible-budget-and-finance/id1609692064 (this page in markdown: same URL + `.md`)
- Developer: [Centsible Labs LLC](https://appshunter.io/developer/1751014206)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.43/5 from 14 App Store ratings · 16 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 80 MB
- Languages: English
- Released: 2022-06-27
- Data updated: 2026-07-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/centsible-budget-and-finance/id1609692064/reviews.md

## What is Centsible?

Take control of your finances and finally reach your savings goals! Centsible makes it easy to track monthly and non-monthly expenses, so you can see exactly where your money goes. Stop wondering where your paycheck disappears and start saving and spending for what matters.

Features:

* Envelope Budget: Change how you view your money with the tried and true envelope budgeting system.
* Expense Tracking: Enter or file import your transactions and see the changes to your budget.
* Bill Tracking: Create categories for all of your expenses and easily track them monthly.
* Goal Setting: Budgeting isn't about restriction, so don't forget that dream trip to Hawaii or that fancy car.
* Credit Cards: Always know how much you have available to pay your credit cards. If not, create a plan to pay it off.
* File Import: Sometimes life gets in the way and you forget to enter transactions. You can download your bank CSV files and we help speed up the process.
* Reports: Visualize your expense so you can make improvements for even more control!
* Private: No ads or tracking. Your budget belongs to you, and only you.

34 day free trial.

Single one-time purchase: lifetime offline license.

Lifetime Details:

The trail does not require credit card or any up-front payment. Completely free for 34 days. After the trial you pay one time for lifetime access for offline use. Comes with 2 free years of multi-device data sync. After the 2 years your budget data does not sync between devices. Optional subscription for realtime multi-device data sync. More details below.

Optional Subscription Detail:

If you'd like to sync your data in real-time between devices 2 years after your lifetime purchase, an optional small subscription is available. It is only required if you wish to sync your data between devices. If you don't need that feature, never pay again.

- Centsible has an optional one-year auto-renewable subscription
- Payment will be charged to iTunes Account at confirmation of purchase.
- Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
- Account will be charged for renewal within 24-hours prior to the end of the current period.
- Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase.

Terms of Use:
https://centsible.app/tos/

Privacy Policy:
https://centsible.app/privacy/

## Key features

- Envelope budgeting system
- Expense tracking
- Bill tracking
- Savings goal setting
- Credit card management
- CSV file import
- Expense reports

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Yearly Plan | $49.99 | per year |
| Monthly Subscription | $5.99 | per month |
| Monthly Subscription | $4.99 | per month |
| Multi-Device Data Sync | $12.00 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Offline Access | $99.99 | one-time |


## Chart rankings

- #198 in Top Grossing · Finance (US App Store)

## Recent user reviews (10 of 16)

All indexed reviews: https://appshunter.io/ios/app/centsible-budget-and-finance/id1609692064/reviews.md

### 3/5 — Decent Budgeting App

*2026-03-07*

Pretty useful envelope budgeting app that offers a lifetime subscription. I just wish the UI was a little cleaner but the app works well.

### 5/5 — Great YNAB Alternative

*2025-10-12*

I find this app to be very useful for my budgeting purposes. It’s similar to YNAB but Centsible has a lifetime subscription which I find to be great since I’m not a big fan of using subscriptions for budgeting. This app is great for envelope-based budgeting. Highly recommend!

### 5/5 — Great YNAB alternative

*2025-07-07*

This is a great, much more affordable alternative to YNAB if you don’t need bank sync. (That YNAB feature never worked well for me with my banks)

Centsible offers the ability to do “envelope” budgeting at a great price. Support is very helpful too!

### 5/5 — One time fee!

*2025-04-01*

The app has works well for me, a lot of the other apps have a monthly fee, and I’d rather have a lifetime license. Manually entering transactions can be tedious but monthly bills can be set to recurring. Personally having to enter transactions makes me physically see what is spend resulting in me spending less on things I don’t need.

### 5/5 — YNAB features for not YNAB subscription cost!

*2025-04-01*

Long term YNAB user and this is as close to a perfect replacement for that app with just one time cost. Totally worth it. App developers also very open to suggestions and constantly improving the app.

### 5/5 — Looks promising as a YNAB alternative

*2025-01-19*

I have used YNAB for years, but I’m sick of paying a huge annual subscription fee! I found this app online, and created my budget without any issues. I am starting to enter my transactions and things look really good! I love being able to customize colors and icons for my different categories. I am going to take advantage of the full trial period but I can see this as a good and affordable replacement!

### 5/5 — You should use this!

*2024-11-12*

For the last 7 years I have strictly used YNAB and got tired of the subscription plan and found Centsible. This app is way under rated for several reasons. 1. Very easy to use budgeting app that has a very clean UI. The monthly expenses plan widget at the top lets you know your plan for every month so you know your plan is realistic to your income. 2. The IPAD app is under rated and is not talked about, super easy to use and once again has a very clean UI. 3. The product to value ratio is through the roof compared to other companies. Best part is, you can buy a lifetime membership and stop paying for another subscription. 4. The expense plan “expense plan with a cap” is highly under rated and is one of my favorites in the app. I absolutely love it.

I would highly recommend this app to someone who wants to budget and make an ACTUAL difference in their finances. However, this app requires you to be an active budgeted which means you willl need to enter transactions manually but if your going to make an ACTUAL difference in your financial situation you need an ACTIVE budgeting app that allows you to know real time numbers. And for those of you wondering how can I trust the money that’s in my budget? Well there is a reconciliation feature that allows you to reconcile your accounts so you can start looking at your budget to make purchase decisions instead of your bank account

### 5/5 — Budget budget app

*2024-07-01*

I used YNAB for years but I preferred to enter in my transactions manually. It didn’t make sense to keep paying their outrageous subscription fee. This app has all that I need.

### 5/5 — The best YNAB alternative I found

*2024-04-20, version 0.9.9*

Especially if you already was manually entering your transactions

### 5/5 — You Should Use This

*2024-02-13*

Honestly a great app. I’m very used to YNAB and this is very similar to it and has almost all the same functionality! I highly recommend this app instead if you are okay with manual entry of transactions! The layout is great and the developer is very responsive to feedback as well. Give it a try! You won’t regret it!

## Frequently asked questions about Centsible

### What is the free trial period for Centsible?

Centsible offers a 34-day free trial period. No credit card or upfront payment is required to start the trial.

### What are the pricing options for Centsible?

Centsible has a one-time purchase for a lifetime offline license. An optional subscription is available for real-time multi-device data sync after the initial two years.

### How does Centsible handle data sync?

The lifetime purchase includes 2 free years of multi-device data sync. After this period, an optional subscription is needed for ongoing real-time syncing between devices.

### Is Centsible secure?

The app is described as private with no ads or tracking, indicating a focus on user privacy for their budget data.

### What devices does Centsible support?

Centsible is available for iPhone, iPad, and iPod, as indicated by its supported devices list.

### How often is Centsible updated?

The app was last updated on February 14, 2025, suggesting regular maintenance and updates.

### Can I import my bank transactions into Centsible?

Yes, Centsible allows you to import your bank CSV files to speed up the process of entering transactions.

### What is the age rating for Centsible?

Centsible has an age rating of 4+, making it suitable for a wide range of users.

## Version history (last 5 releases)

### 0.9.15 — 2025-02-14

* Made some under the hood changes to keep things up-to-date.
* Change the number we used for funding with cap plan for the planned expenses widget to make it clearer.
* Fix contact support button not opening email.
* Your last used CSV columns are now saved for CSV file import so you don't have to keep selecting them.
* Update CSV file import flow to utilize more of the space.
* Fix file import bug with specific bank.
* Update reconciliation flow so you can auto adjust the balance if you want.
* Added new screen for paying your credit card. You can access it in the transactions screen for credit accounts.
* Locked orientation to portrait for mobile. There isn't enough space to show everything properly in landscape on smaller screens.
* Add new due today recurring transactions on budget screen. This helps you remember if you have anything due today.

### 0.9.14 — 2024-10-22

* Fix plan calculations bug that occurred when using custom currency without cents.
* Add option to contact support.

### 0.9.13 — 2024-08-01

* Fixed some UI bugs.
* Added a brand new report - Net Worth!

### 0.9.11 — 2024-07-11

* Under the hood updates to keep things fresh.
* Fix some styling issues missed when adding dark theme.
* Made it so the pie chart report uses the category name for the slices.
* Added color to budget titles to better split up the groups.
* Add border around selected category in the transaction form to more easily see it has a category.
* Fix what I think causes the infinite loading in Prepare CSV file dialog when importing bank file.

### 0.9.10 — 2024-05-27

* Much needed core updates under the hood.
* Make it clearer when trial ends to avoid confusion.
* General bug fixes and improvements.
* Introducing dark theme! Feedback welcome.

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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 2026-07-22.*