Smart voice logging
Say a spending note naturally. CentsNote turns it into a structured draft.
Track money in seconds. Keep it private.
CentsNote helps you record spending with voice, AI parsing, recurring bills, budgets, and clear reports while keeping your financial data local by default.
AI parsed
Quick draft
Amount, category, and account from one sentence.
9:41100%
Today
May 16 · Personal
Monthly spending
$2,846
Voice logging
"Lunch was 18 dollars by card."
AI detected category · Food$18.00
AI detected category · Food$18.00
☕Coffee-$4.80
🛒Groceries-$72.10
☁iCloud backupOn
Privacy
Local-first
Your money records stay on device unless you choose backup or sync.
Less typing. Clearer money. Better daily habits.
AI parsing with review
Check amount, category, account, date, and memo before anything is saved.
Recurring bills
Track rent, subscriptions, salary, utilities, and yearly renewals without rebuilding the same record.
Reports and budgets
See monthly trends, category shares, budget progress, and related records in one place.
iCloud-ready backup
Sign in to iCloud when you want backup or sync for important records.
Multi-currency records
Record travel, salary, online subscriptions, and everyday spending in the right currency.
Local-first privacy
Start without registration. Your money records stay on your device by default.
FX roadmap
Automatic exchange-rate help is planned for cross-border spending.
Your financial notes should not feel public.
✓
Start without an accountRecord daily spending right away. Your records stay on your device by default.
✓
Turn on iCloud backup when you need itSign in to iCloud and enable backup or sync when you want an extra safety net for important records.
✓
AI organizes first, you approveVoice input creates a draft first; confirm the amount, category, and account before saving.
A simple rhythm: record, review, understand.
01
Capture the moment
Speak one sentence or type it in, so the amount, purpose, and account are not left to memory.
02
Review before saving
AI helps organize the draft. You confirm the amount, category, date, and account.
03
See where the month went
Use categories, bills, and budgets to spot the spending that deserves attention.
Built for global daily life.
Switch languages, record different currencies, and keep a personal finance habit that works across travel, subscriptions, and local spending.
Languages10+ languagesEnglish, Japanese, German, Korean, Chinese, and more.
CurrenciesLocal and cross-currencyAutomatic exchange-rate conversion is coming.
Privacy modeLocal-first storageKeep records on device by default.
Supportsupport@
Questions people ask before trusting a money app.
Does it require an account?
No. CentsNote is designed for guest-first bookkeeping and can start without registration.
Where does my data live?
Daily records are stored locally by default. iCloud backup or sync is optional and user controlled.
What does AI do?
AI helps parse natural-language input into structured fields. You review the draft before saving.
Is this financial advice?
No. CentsNote helps you record and understand your own data. It does not provide financial, tax, or investment advice.
Practical guides for daily money tracking.
Voice loggingPrivate voice expense trackerSpeak one spending note, review the AI draft, and save with control.
PrivacyExpense tracking without bank syncUnderstand how local-first manual tracking works without linking accounts.
BillsTrack recurring bills and subscriptionsKeep rent, utilities, salary, and renewals visible before month end.
BudgetSimple budget trackingReview categories, reports, and spending pressure with less setup.
StudentsExpense tracker for studentsTrack allowance, meals, transport, coffee, subscriptions, and rent.
FreelancersExpense tracker for freelancersSeparate client income, work expenses, personal spending, and transfers.
Start with a cleaner money record.
CentsNote is now available on the App Store. Scan the QR code with iPhone Camera or tap the button to download.
Scan to download
Open the iPhone Camera or any QR scanner to jump to the App Store.