Personal accounting, done for you
cent4cent keeps your books for you, so you always know what you earned, spent and saved, where you’re overspending, and whether you’re getting ahead. It takes a few minutes a month, and every account is checked against your bank.
14-day free trial · no card needed
Usually one of two things gets in the way.
If you’ve just started earning
Real pay is coming in, and you have no clear picture of where it goes. The balance looks fine until rent, the card and the insurance all come out in the same week. It can’t tell you whether you’re getting ahead, and the habits you set now tend to stick.
If you’ve tracked it for years
A second currency, a joint account, holdings without a ticker, money a friend owes you. The app files them wrong or can’t hold them at all. The spreadsheet can, but only you can read it, and you’re never quite sure it’s right.
cent4cent gives you those three numbers every month, checked against your bank to the cent. See how a month works
It does the sorting and the maths, and only asks you what it can’t work out for itself.
From any bank, card or broker, in any currency, and as many past months as you like. cent4cent sorts every transaction for you, from its description and everything around it.
Only about what no bank record can say: whose dinner that was, whether a booking is for a trip later, or whether a work expense needs paying back to you. Every answer is remembered.
Here’s August for someone in our sample book: a salary, savings, shares held in US dollars, a stake in a friend’s startup, and a friend who owes them A$412. Every name and figure is made up.
Clarity
Three numbers at the top of every month, from accounts checked against your bank, and a few plain sentences about what changed. No charts to decode and no totals you have to second-guess.
Control
Each category is set against your usual month, so the one that crept up stands out while there’s still time to change it. In this August it was eating out, about a third over.
Wealth
Cash, shares, super, property, a stake in a startup: one picture of all of it. See how it’s spread, where you’re concentrated and what’s growing, so you know whether you’re on track to feel secure, buy a home or retire early.
Goals
Say a goal in a sentence, like a house deposit, an emergency fund or retiring early, and see every month whether you’re on pace. In the sample, the deposit is on track to arrive a month early.
Ease
It sorts every transaction for you, reading the description and what surrounds it. When a category gets too broad it suggests a sharper one, like climbing split out of fitness, and applies it back through your history. When something’s unclear, it asks one quick question and remembers the answer.
Budgeting apps make you do the work and squeeze your life into their categories. cent4cent keeps proper books underneath and does the bookkeeping for you, so it fits the way your money actually works and simply tells you where you stand.
Your first real income. Start the habit early and know where your money goes from day one, with no budget to build.
Why starting early pays off →
Property, shares, super, a fund, a business. The more you build, the more there is to keep track of. See it all in one place.
Everything you own, in one picture →
A joint account beside two separate ones, the kids, the home loan, and money back and forth. One set of books you can both read.
How a shared book works →
Paid in one currency and living in another. Every account stays in its own currency, and the exchange rate gets its own line.
How a second currency is kept →Your books live on servers in Australia. To sort them, small batches of lines go to an AI model in the United States, never the whole book.
Your books are encrypted in transit and at rest, and the notes you write are encrypted again with a key of their own.
cent4cent only reads the records you give it. It can’t move, hold or spend a cent.
Transactions are read by an AI model under commercial terms that don’t allow it to train on your data.
Only with your permission, for a specific support request, and every access is logged.
No ads, no data sales, no commissions. You pay, so you’re the customer. Export everything whenever you like, or delete it.
One plan with everything in it, in Australian dollars, whatever currency your books are in.
One plan with every feature, for every kind of money.
A$100 a year
That’s A$8.33 a month, or about 27 cents a day. Full refund if you cancel within 30 days.
14 days free, no card needed. Add one only if you decide to stay.
Why it isn’t free. The subscription is the whole business. There are no ads, no data sales and no commissions for recommending products.
Yes. Your transactions are read by an AI model, a batch at a time, along with your list of accounts and the rules you’ve given it, under commercial terms that don’t allow it to train on them. When it isn’t sure about something it asks you rather than guessing, and every account is checked against your bank before the month counts as done.
Yes. There’s nothing to set up first: no categories to build and no budget to keep. Your first month shows what you earn, spend and save, and where it all goes.
Mostly the work. You stop typing and categorising, and answer the few questions only you can. The books also hold what most apps can’t: a second currency, money owed to you, holdings without a ticker, a joint account beside separate ones. And every account is checked against your bank each month, so you know the total is right.
From the description on each transaction and the context around it: the merchant, the amount, the day, what else happened around it, and what you’ve told it before. When a category gets too broad, it suggests a sharper one, like climbing split out of fitness, and applies the change back through your history so past months stay comparable.
Change it, and it remembers. Every correction becomes a rule in plain words that you can read, edit or pause, and a rule that turns out wrong twice in a month goes back to being a question. Because every account is checked against your bank’s own records, a missing or doubled transaction shows up as a difference instead of hiding in a total.
No. You bring each month in from your bank, card or broker, in the formats they already give you, and cent4cent sorts it from there. Nothing is linked to your bank account.
Everything is encrypted in transit and at rest, and the notes you write are encrypted again with a key of their own. Nobody at cent4cent reads your books without your permission, and your data is never sold or shared. The security page has the detail.
Any time. Export the whole book as CSV, JSON or Beancount text, a plain format other tools can read, and delete it whenever you like.
Yes, as many as you like, including during the trial. Your history is built back month by month: what you earned, spent and saved, and how your net worth got to where it is.
No card is needed for the trial. To keep bringing in new months, add one and choose A$10 a month or A$100 a year. If you don’t, nothing is charged, and your books stay yours to open and export. Yearly plans are refunded in full if you cancel within 30 days.
No. It shows you your own money and projects from your own numbers. It never recommends a product, fund, loan or account.
14 days free, no card needed. Then A$10 a month or A$100 a year, and your books are yours to export at any point.