Cent vs Kova

Meet Cent: the ultra-minimalist, private expense tracker designed for absolute speed and total data ownership. Most budgeting apps force you to create accounts, link your private bank details, and sync your financial life to the cloud. Cent does the exact opposite. It works 100% offline, keeping your financial data exactly where it belongs: locally on your device. With a frictionless design inspired by the speed of a daily calculator, Cent cuts through the noise so you can log an expense and get on with your day. WHY USE CENT? • 100% LOCAL & PRIVATE: Your data never leaves your phone. No servers, no data selling, and no privacy anxiety. • ZERO FRICTION: No sign-ups, no onboarding loops, and no login forms. Open the app and log immediately. • INSTANT LOGGING: Enter an amount on the dedicated numpad, tap a category, and save in a single gesture. • SMART HISTORY & INSIGHTS: View beautifully clean, native charts that break down your spending by category for the month. • EXPORT ANYTIME: You own your data. Export your entire history to a standard CSV file whenever you need to back it up or run a spreadsheet. Take control of your habits without sacrificing your privacy. Download Cent today.

Kova is the fastest way to track your spending and stay on top of your money. Built for people who want a simple, private expense tracker that just works. Every dollar you enter stays on your device. Track expenses in seconds Add an expense in two taps. Pin your most frequent ones to Quick Add for one-tap logging on the go. Know where your money goes See your spending broken down by category. Drill into any category to see every transaction. Filter by last 7 days, this week, or last week to spot patterns fast. Budget with a plan that fits you Choose from three popular budget splits — 50/30/20, 60/30/10, or 70/20/10 — or build your own. Set a budget base amount and Kova shows you exactly how much you've spent against each group in real time. Built for the Caribbean Kova is GYD-first with full support for USD, TTD, BBD, EUR, and GBP. No forced currency conversions. Support for more currencies to come. Your data, your device No account required. No cloud sync. No tracking. Everything you enter is stored locally and stays private. Export your data as a CSV at any time. Completely free. Always. Every feature in Kova is free. No paywalls. No premium tier. No subscription.