CentsNote: Expense Tracker

CentsNote is a private daily expense tracker for people who want a simple, safe way to log spending, income, budgets, bills, and subscriptions without connecting a bank account.

Use it as a manual expense tracker, spending tracker, money tracker, budget app, bill tracker, or subscription tracker for everyday life. Record breakfast, coffee, groceries, rent, utilities, salary, transfers, travel spending, shared costs, recurring bills, and the small purchases that are easy to forget.

It is designed for people who want clarity without a complicated finance setup: students watching daily cash spending, freelancers separating work and personal expenses, travelers logging multiple currencies, families tracking household bills, and anyone who prefers a safe manual money log instead of automatic bank sync.

You can type a record manually or speak one money note. CentsNote helps turn voice input into editable drafts, then you review the amount, category, account, date, and memo before saving. One sentence can become multiple records when needed, but every entry stays under your control.

CentsNote is useful if you want to:

- Track daily expenses, income, and transfers
- See where your money goes each month
- Plan budgets and spending limits
- Separate food, coffee, shopping, transport, rent, utilities, work, and travel expenses
- Manage rent, utilities, subscriptions, and recurring expenses
- Review subscription costs before they renew
- Keep a personal ledger without bank sync
- Use an offline-first money log with optional iCloud backup
- Track multi-currency spending for travel, work, or daily life

Private and local-first
CentsNote does not connect to your bank account and does not require account linking. Your daily ledger is local-first by default. When you choose, iCloud backup or sync uses your own Apple account.

Fast voice logging
Say it, review it, save it. Voice input helps you capture spending before you forget, while manual confirmation keeps the record accurate.

Clear monthly view
Review cash flow, categories, account activity, budget progress, subscriptions, recurring bills, and recent records in one lightweight tracker.

Built for everyday consistency
CentsNote is not a complex finance dashboard. It is a simple daily tracker for the moments when you just want to record what happened, understand your habits, and keep a clean history for later review.

CentsNote is built to make money tracking feel private, calm, and easy to keep up with. It does not make financial decisions for you and does not provide investment, tax, credit, banking, or financial advice.

Terms of Use: https://www.centsnote.com/app/legal/terms.txt
Privacy Policy: https://www.centsnote.com/app/legal/privacy.txt