Your money, intelligent and private.
Track your accounts, budgets, subscriptions and goals in one place, and ask an assistant that answers from your own numbers. Runs in your browser today; iPhone and Mac apps are on the way.
No ad tracking. No ads. Your data is never sold.
Built like a bank, owned like a notebook.
Four things you can check rather than take on faith. Every one is a property of how Centmond is built, not a policy we could quietly change later.
- AES-256
- Sensitive fields are encrypted, and the database is hosted in the EU.
- RLS
- Row level security. Every query runs scoped to your account alone.
- Browser
- Opens anywhere you have one. Nothing to install, nothing to update.
- Exportable
- PDF and CSV whenever you want. Nothing is locked in.
The ledger
Six months, one hairline a day.
Above the rule is money in, below it is money out, on one shared scale. Run the cursor across it, the day you are on stays lit and the rest step back.
Over 168 days, €19,726 came in and €18,688 went out. The largest single movement was €2,910, on Jun 1.
Sample ledger · generated, not measured
Balance
Twelve months, one line.
Closing balance, month by month. The curve draws itself once and then answers questions, scrub it to read what came in and what left in any month.
Where it went
Six categories, one shared baseline.
Categories are assigned as transactions arrive, and every rule you write is yours to edit. Nothing is inferred by a third party, and nothing about this month leaves your account.
- Housing51%€1,425.00
- Groceries22%€612.40
- Transport10%€289.10
- Subscriptions7%€194.80
- Eating out6%€162.20
- Everything else4%€110.60
One month€2,794.10
Ask in words. Get an answer with the figures attached.
- How much did I spend on groceries last month?
- What is my biggest recurring charge?
- Can I afford a €1,200 flight in October?
Everything else, stated once.
Accounts
Every balance in one place, refreshed on a schedule rather than on a nag.
Budgets
Set a number per category and watch the line, not a traffic light.
Subscriptions
The recurring charges you forgot about, found and dated.
Net worth
Assets and debts on one axis, so the trend is the headline.
Forecasting
What the month looks like if nothing changes, and if one thing does.
Reports
A PDF or a CSV, on demand, with your figures and nobody else's.
FAQ
Questions, answered.
No. Every other part of Centmond works whether or not you ever open the assistant, and there is nothing to install or configure if you do. It is a conversational layer on top, not the way the app is operated.
Only with your confirmation. It can look things up on its own, and it can propose a change, but nothing it proposes is applied until you approve it. Each pending action works a single time and expires after five minutes. Reading is fenced too: every query runs under row level security in the database, so it can only ever return your own rows.
Nothing while Centmond is in beta, and no card is asked for at signup. After launch the core app stays free and a small set of advanced features will move to a paid plan. We will give clear notice before anything changes price, and beta users will be considered for grandfathered pricing.
Any time. Reports export to PDF and CSV, and you can delete everything from Settings. Nothing is locked in.
Get started
See it against your own numbers.
No card required. Export or delete your data whenever you want.