# CentsNote: Expense Tracker — Private voice budget log

> Private manual expense and budget tracker with voice logging. (iPhone/iPad app by Ke XinXian.)

- Source: https://appshunter.io/ios/app/centsnote-expense-tracker/id6769881182 (this page in markdown: same URL + `.md`)
- Developer: [Ke XinXian](https://appshunter.io/developer/1896696293)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 19 MB
- Languages: English, French, German, Japanese, Korean, Chinese, Chinese
- Released: 2026-05-19
- Data updated: 2026-07-11
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/centsnote-expense-tracker/id6769881182/reviews.md

## What is CentsNote?

CentsNote is a private daily expense tracker for people who want a simple, safe way to log spending, income, budgets, bills, and subscriptions without connecting a bank account.

Use it as a manual expense tracker, spending tracker, money tracker, budget app, bill tracker, or subscription tracker for everyday life. Record breakfast, coffee, groceries, rent, utilities, salary, transfers, travel spending, shared costs, recurring bills, and the small purchases that are easy to forget.

It is designed for people who want clarity without a complicated finance setup: students watching daily cash spending, freelancers separating work and personal expenses, travelers logging multiple currencies, families tracking household bills, and anyone who prefers a safe manual money log instead of automatic bank sync.

You can type a record manually or speak one money note. CentsNote helps turn voice input into editable drafts, then you review the amount, category, account, date, and memo before saving. One sentence can become multiple records when needed, but every entry stays under your control.

CentsNote is useful if you want to:

- Track daily expenses, income, and transfers
- See where your money goes each month
- Plan budgets and spending limits
- Separate food, coffee, shopping, transport, rent, utilities, work, and travel expenses
- Manage rent, utilities, subscriptions, and recurring expenses
- Review subscription costs before they renew
- Keep a personal ledger without bank sync
- Use an offline-first money log with optional iCloud backup
- Track multi-currency spending for travel, work, or daily life

Private and local-first
CentsNote does not connect to your bank account and does not require account linking. Your daily ledger is local-first by default. When you choose, iCloud backup or sync uses your own Apple account.

Fast voice logging
Say it, review it, save it. Voice input helps you capture spending before you forget, while manual confirmation keeps the record accurate.

Clear monthly view
Review cash flow, categories, account activity, budget progress, subscriptions, recurring bills, and recent records in one lightweight tracker.

Built for everyday consistency
CentsNote is not a complex finance dashboard. It is a simple daily tracker for the moments when you just want to record what happened, understand your habits, and keep a clean history for later review.

CentsNote is built to make money tracking feel private, calm, and easy to keep up with. It does not make financial decisions for you and does not provide investment, tax, credit, banking, or financial advice.

Terms of Use: https://www.centsnote.com/app/legal/terms.txt
Privacy Policy: https://www.centsnote.com/app/legal/privacy.txt

## Key features

- Private expense tracking
- Voice logging for spending
- Budget and spending limits
- Bill and subscription management
- Manual money ledger
- Multi-currency support
- Offline-first operation

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| CentsNote Pro Monthly | $4.99 | per month |
| CentsNote Pro Annual | $39.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/centsnote-expense-tracker/id6769881182/reviews.md

### 5/5 — Clean and effective

*2026-05-19*

I like it and easy to use. Especially my data is privately on it cause it store local or iCloud.

**Developer response:** Thank you so much for your support. I am glad CentsNote feels clean and easy to use, and that the local/iCloud-first approach matters to you. I will keep developing and maintaining the app carefully.

## Frequently asked questions about CentsNote

### Does CentsNote have ads?

CentsNote is ad-free, allowing for an uninterrupted experience while managing your finances. The app focuses on providing a clean and private interface for users.

### How does CentsNote handle privacy?

CentsNote is designed with privacy as a core feature. It does not connect to your bank account and keeps your financial data local-first, with optional iCloud backup using your Apple account.

### Can I track expenses in different currencies with CentsNote?

Yes, CentsNote supports tracking multi-currency spending, making it useful for travelers, freelancers working internationally, or anyone dealing with various currencies.

### What kind of financial advice does CentsNote provide?

CentsNote does not provide financial advice, investment recommendations, tax guidance, or banking services. It is a tool for logging and understanding your spending habits.

### How often is CentsNote updated?

The latest version of CentsNote is 1.4, and it was last updated on June 10, 2026. Updates typically focus on improving features and reliability for users.

### What devices is CentsNote available on?

CentsNote is currently supported on iPhone. The app is designed to be accessible on Apple's mobile devices.

### What is the user rating for CentsNote?

CentsNote has a perfect rating of 5.0 stars from 1 rating. This indicates a highly positive initial reception from its users.

### Can CentsNote help me manage recurring bills and subscriptions?

Yes, CentsNote can be used as a bill tracker and subscription tracker. It helps you manage recurring expenses and review subscription costs before they renew.

## Version history (last 4 releases)

### 1.4 — 2026-06-10

Thanks for using CentsNote. This update focuses on small experience refinements that make daily tracking smoother.

- Polished details in daily recording, budgets, statistics, and recurring bills.
- Improved interface consistency and readability in common flows.
- Fixed several minor issues and improved overall stability.

### 1.2 — 2026-05-28

Hello, this is the first app I have independently built. Thank you for your support and feedback.

- Improved Voice Log so one sentence can create multiple expense records.
- Significantly refined and rebuilt the interface, with better Liquid Glass adaptation.
- Fixed visual issues in Dark Mode.
- Fixed several common issues and improved overall stability.
- Polished many details across daily recording, statistics, budgets, and recurring bills.

### 1.1 — 2026-05-22

Hello, this is the first app I built. Thank you for your support and feedback.

- Improved Voice Log so one sentence can create multiple expense records.
- Significantly refined and rebuilt the interface, with better Liquid Glass adaptation.
- Fixed visual issues in Dark Mode.
- Polished many details across daily recording, statistics, budgets, and recurring bills.

### 1.0 — 2026-05-19

No release notes.

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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 2026-07-11.*