Comparison

Pico Spend Lite vs CentSage

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pico Spend Lite

Features
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With Pico Spend you can track and analyze your expenses quickly and easily on your iPhone. It's a private and offline expense tracker - everything stays on your iPhone and no servers or data connection are needed. Key features include: • Quick and intuitive entry of expenses • Fully customizable expense categories • See your expenses grouped by day • Drill-down and graphical summary reports • Print, email or share PDF reports from within the app • Currency conversion • Transfer your spending data to the paid version via iCloud In the lite version you can enter as many expenses as you wish but you can view and analyze expenses for the past three days only. Your expenses are stored on your device and if you buy the full version of Pico Spend, all entered expenses can be seamlessly transferred from the lite to the full version via iCloud. Some features available in the full version only: • Weekly and monthly summary reports • CSV export of data • Restoring from iCloud • Passcode protection • Apple Watch app

About

CentSage

Manage your money with a straightforward budgeting and spending tracker. Log everyday expenses, create budgets by category, and review your financial patterns through simple reports. This app focuses on manual tracking for privacy and ease of use.

Highlights
  • Quick budget tracking by category
  • Fast manual spending entry
  • Manual transaction logging (income/expenses)
  • Monthly financial overview
  • Spending reports for pattern analysis
  • No bank linking required
  • Privacy-focused local data storage
Features
Read full description

CentSage is a simple budgeting and spending tracker designed for people who want to manage their money without complicated finance tools or bank linking. Track your budgets, log everyday spending, review transactions, and understand your monthly financial patterns — all from a clean, easy-to-use iOS app. CentSage is built around quick, low-friction budgeting. You can add spending directly from a budget in seconds, or create a more detailed transaction with a category, date, and note when you want more context. Key Features: Quick Budget Tracking: Create budgets by category and see how much you have spent, how much remains, and which areas need attention. Fast Spending Entry: Log everyday purchases quickly without filling out a long form. Open a budget, enter an amount, and move on. Manual Transaction Tracking: Add income and expenses manually, including optional notes, dates, and categories. Monthly Overview: See income, spending, recent activity, and budget progress at a glance. Spending Reports: Review lightweight reports to better understand where your money is going and how your spending changes over time. No Bank Linking Required: CentSage is designed for manual tracking, giving you control over what you enter and when. Privacy-Focused Design: CentSage does not currently require an account or bank connection. Your financial information is stored locally on your device. Dark Mode Support: Use CentSage comfortably in light mode or dark mode. CentSage is made for people who want budgeting to feel simple, fast, and easy to maintain. Whether you are tracking everyday spending, managing monthly budgets, or trying to better understand your habits, CentSage helps you stay aware without overwhelming you. Download CentSage and start tracking your money with clarity.

Screenshots

Pico Spend Lite4 screens
CentSage3 screens

Verdict

The call

The clearest difference is update cadence: CentSage at every 2 days against Pico Spend Lite's every 12 months. Pico Spend Lite's advantage is iOS requirement (15.0 vs 18.6). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Pico Spend Lite ships an update every 12 months, CentSage every 2 days. The most recent releases landed on September 19, 2026 and June 1, 2026 respectively.

Scorecard2 real differences · 7 level
Pico Spend Lite versus CentSage: the parameters behind the verdict, then further details
ParameterPico Spend LiteCentSage
PriceFreeFree
Rating—5.0 (3 ratings) — better
Number of ratings—3 — better
Update frequencyEvery 12 monthsEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better18.6
Further details — not scored
Size1 MB9 MB
Age rating4+4+
DeveloperDejan PetrovskiChristopher Endress

In-app purchases

None

Pico Spend Lite

No in-app purchases

None

CentSage

No in-app purchases

Questions

Is Pico Spend Lite free?
Pico Spend Lite is free to download, with no in-app purchases.
Is CentSage free?
CentSage is free to download, with no in-app purchases.
Do Pico Spend Lite or CentSage have ads?
Neither Pico Spend Lite nor CentSage shows ads.
Which is updated more often, Pico Spend Lite or CentSage?
Pico Spend Lite ships an update every 12 months, and CentSage every 2 days. Most recently, Pico Spend Lite was updated on September 19, 2026 and CentSage on June 1, 2026.

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