Every payment, sorted as it lands.
Import a statement from your bank. Each payment gets its category on arrival, and a fix you make once is remembered.
Free while in beta
Your money,intelligentand private.
Accounts, budgets, subscriptions and goals in one place, with an assistant that answers from your own numbers.
- Accounts
- Budgets
- Subscriptions
- Goals
- Net worth
- Forecast
- Assistant
- Reports
Centmond sorts every payment as it lands, finds what repeats, and tells you what is coming while there is still time to change it.Centmond sorts every payment as it lands, finds what repeats, and tells you what is coming while there is still time to change it.
Your year, read four ways.
Budgets that watch your pace.
Each category is projected to the end of the month from how fast you are spending, so you hear about it days before the line is crossed.
Every recurring charge, found.
Centmond reads your history for payments that repeat, then lists each one with its cadence, its next date and what it costs in a year.
Next month, before it happens.
Your salary, your bills and your usual spending, carried forward, so the low point is something you see coming.
Came in, last 120 days €14,320. €9,890 went out across 197 payments, each one in its category.
Eating out, on pace for €339. The budget is €250. €214 was spent by September 19.
Recurring, a year €20,806. 10 charges found, from €36 to €13,800 a year each.
Lowest balance ahead €11,210. On Oct 24, the day before your salary lands.
Sample data, generated for this page
AccountsBudgetsSubscriptionsGoalsNet worthInsightsForecastsReportsReceiptsImports
Assistant, 5 free questions a day
Questions in. Your numbers out.
Where did my money go last month?
€2,486 went out in September. Rent was the largest share, then groceries and eating out.
- Housing
- €1,150
- Groceries
- €433
- Eating out
- €299
- Transport
- €184
Sample answer
What do I pay for every month?
10 recurring payments, €1,733.85 a month. That is €20,806 a year.
- Rent
- €1,150
- Savings goal
- €350
- Bills
- €118
- Subscriptions
- €58
Sample answer
Can I afford a weekend away in October?
Yes. After bills and your usual spending, October is on pace to leave €619. A €450 weekend still leaves €169.
- Left after bills
- €619
- Weekend away
- €450
- Still spare
- €169
Sample answer
Which budget is running hot?
Eating out. €214 of €250 with 11 days to go, on pace for €339.
- Spent so far
- €214
- Budget
- €250
- On pace for
- €339
Sample answer
When will I reach my savings goal?
In December. €4,200 of €5,000 is in your emergency fund, and €350 goes in every month.
- Saved
- €4,200
- Goal
- €5,000
- Every month
- €350
Sample answer
What changed since August?
Spending is up 6% on August. Groceries fell €140, Eating out rose €139.
- September
- €2,486
- August
- €2,354
- Groceries
- -€140
- Eating out
- +€139
Sample answer
It reads only what each question needs. It can suggest a change, but nothing happens until you confirm it, and every suggestion expires after five minutes.
Pricing
The app is free.Premium covers what costs us.
Free while in beta, with no card.
Compare plans
Everyday, for everyone
Budgets, goals, forecasts and reportsIncluded in FreeEvery page, no limitsIncluded in Premium
Accounts added by handUnlimitedCash, cards and savingsUnlimited
Bank statement importIncluded in FreeA file from your bankIncluded in Premium
Receipt scanningIncluded in FreeRead on your deviceIncluded in Premium
Export or delete your dataIncluded in FreeAny time, from SettingsIncluded in Premium
What costs us to run
Assistant questions5 a dayResets every day20 a day4 times as many
Live bank syncNot in FreeImport a statement insteadSoonWhen bank connections open
Free
€0While in beta. No card needed.
What you get
- Budgets, goals, forecasts and reportsEvery page, no limits
- Accounts added by handUnlimited · Cash, cards and savings
- Bank statement importA file from your bank
- Receipt scanningRead on your device
- Export or delete your dataAny time, from Settings
- Assistant questions5 a day · Resets every day
Premium
SoonNot on sale yet. Join the waitlist and we'll email you when it opens.
Everything in Free, plus
- Assistant questions20 a day · 4 times as many
- Live bank syncSoon · When bank connections open
Premium is not on sale yet, and nothing is charged. Join its waitlist and we'll email you when it opens; beta users will be considered for grandfathered pricing. Then you'll pay monthly or yearly, prices will include VAT, and you'll be able to cancel any time and withdraw within 14 days for a full refund.
Centmond compared with
Compare appsBetter in that row
YNAB$109a year, or $14.99 a month34-day free trial
Monarch$99.99a year, or $14.99 a monthFirst week free
Copilot$95a year, or $13 a month1-month free trial
Free to use, no cardIncluded in CentmondWhile in beta (better)Not in YNAB34-day trialNot in MonarchFirst week freeNot in Copilot1-month trial
Where you can sign upAny country (better)Any countryFile import outside its bank regions (better)2 countriesUS and Canada1 countryUS only
Bank connections19 countriesOpening soon20 countriesUS, Canada, UK and 17 more in Europe (better)2 countriesUS and Canada1 countryUS only
Currencies10Chosen per account (better)1 per planChosen from a listUS or Canadian dollarNo euroUS dollar only
Where your data is keptEUIreland (better)United StatesNot statedIn its privacy policyUnited States
Works in a browserIncluded in CentmondIncluded in YNABIncluded in MonarchIncluded in Copilot
iPhone appIn developmentIncluded in YNAB (better)Included in Monarch (better)Included in CopilotAlso iPad and Mac (better)
Android appIn developmentIncluded in YNAB (better)Included in Monarch (better)Not in CopilotNot on its list
Share with a partnerNot in CentmondNot yetIncluded in YNABUp to 6 people, one price (better)Included in MonarchEach with their own login (better)Shared loginOne account for both
No ads, never sells your financial dataIncluded in CentmondIncluded in YNABIncluded in MonarchIncluded in Copilot
From each company's own website, checked 20 October 2026. Their prices are in US dollars before tax, as they publish them; Monarch's is its Core plan. The names are trademarks of their owners.
Built like a bank, owned like a notebook.
Four things you can check instead of taking on faith.
- EU
Your data is stored in Ireland, inside the European Union.
- AES-256
Bank identifiers are encrypted with a key kept outside the database.
- RLS
Row level security: every query returns your own rows and nobody else's.
- 0 ads
No ads and no ad tracking. Your data is never sold.
A note from the person who builds it
Centmond is made by one person: me. I read every message that comes in through Help and support. Your numbers stay in the EU, they are never sold, and you can take all of them out, or delete them, whenever you like.Centmond is made by one person: me. I read every message that comes in through Help and support. Your numbers stay in the EU, they are never sold, and you can take all of them out, or delete them, whenever you like.
Questions, answered.
No. The assistant is optional: every other part of Centmond works whether or not you ever open it, 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.
No. Bank connections are not open yet, and when they open they will be optional, like everything else in Centmond. Add your accounts by hand or import a statement file, and every part of the app works the same. A connection will be read-only, you approve it on your bank's own page, and you can disconnect it at any time.
All we ask for at signup is an email and a password. Your data is never sold, and there are no ads.
Nothing while Centmond is in beta, and no card is asked for at signup. A Premium plan with more assistant questions a day, and live bank sync once bank connections open, is planned but not on sale yet. You can join its waitlist from Settings.
We will give clear notice before anything changes price, and beta users will be considered for grandfathered pricing.
Not yet. An iPhone app is in development, and a Mac app will follow. Both are being built to keep more of your data on your own device.
Until then, Centmond runs in your browser, on a phone or a computer. Add it to your home screen and it opens like an app, with nothing to install and nothing to update.
Any time. Reports export to PDF and CSV, and you can delete everything from Settings. Nothing is locked in.
See it against your own numbers.
Create an account, then add your accounts by hand or import a statement from your bank. It runs in your browser, with nothing to install.
Free while in beta. No card required.