Personal finance, accounted for
Every dollar, accounted.
CentSay is a calm, private place to see and manage your money — your accounts, spending, bills, and balances together in one clear dashboard. Always know where it goes.
Track
Every account and transaction in one place — checking, savings, cash, credit, loans, investments, and even property — with income, expenses, and transfers categorized and searchable.
8 account typesInsight
See where it goes. Clear spending breakdowns and a heads-up on bills that are coming, so nothing catches you by surprise.
Bill radarSecure
Your data stays private. A bank-level encrypted vault for logins, a record of every change, and statement matching that keeps your balances accurate.
Encrypted vaultHow it works
Three steps to a clear picture of your money.
Add your accounts
Enter what you own and owe — checking, savings, cards, loans, even your home. Set a starting balance and you're tracking.
Log what moves
Record income, spending, and transfers (or import a CSV). CentSay categorizes them and keeps a running balance.
See where it goes
Net worth, spending breakdowns, upcoming bills, and statement matching — all in one calm dashboard.
Your data is yours
CentSay is private by design. Your finances are visible only to you, logins are kept in a bank-level encrypted vault, and you can export or delete everything at any time. No ads, no selling your data.