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Centiv

FreemiumAgentic

Subscription creep is invisible until you're $200/month into services you forgot you signed up for — and most budgeting apps require you to do the detective work yourself.

$7.75/mo or $92.99/yr · Free tier: 1 connected bank account, overall ¢Score (not full breakdown), all 6 AI advisors with unlimited text conversations, subscriptions & receipts intelligence · Checked Jun 11, 2026

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Summary

The scraped page content returned for this tool does not match the tool data provided: the page describes a travel photo-identification app called Spotter, not a financial management product. No factual claims about the tool's actual feature behavior, agent architecture, or integration depth can be sourced from the available page content. The tool data describes six specialized AI agents running in the background across budgeting, subscription monitoring, and financial health scoring — but without a verified source page, production behavior at account volume or edge cases in transaction categorization cannot be assessed. Teams evaluating this tool should pull the live product page directly before committing to a sprint.

Bottom line: Worth evaluating for someone who wants background AI agents tracking subscription waste and daily financial summaries without a human advisor — but the absence of verifiable source content means production reliability and data-sharing scope should be confirmed before connecting live accounts.

Pricing Plans

SubscriptionLast verified 5 months ago
Price
$7.75/mo or $92.99/yr
Free Tier
1 connected bank account, overall ¢Score (not full breakdown), all 6 AI advisors with unlimited text conversations, subscriptions & receipts intelligence

Freemium

Free

The full Centiv experience on one connected account u2014 perfect to try the app with your real money. No card, no trial expiry.

  • All 6 AI advisors (Coach, Sage, Ace, Warden, Sentry, Clerk)
  • Unlimited Coach AI conversations (text)
  • u00a2Score overall score
  • Subscriptions & receipts intelligence
  • 1 connected bank account
  • Spending insights & budget alerts

Premium

$7.75per month
$92.99/yr

Unlimited accounts, full u00a2Score, investment tracking, and long-press voice control with Coach.

  • Everything in Freemium
  • Unlimited linked accounts & banks
  • Full u00a2Score breakdown (6 dimensions + history)
  • Investment tracking
  • Long-press voice control with Coach

View full pricing on centiv.app →

Pricing may have changed since last verified. Check the official site for current plans.

Find your fit

Before you choose Centiv

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Pros

  • Six background AI agents run subscription monitoring and health scoring without manual prompting, so subscription waste surfaces automatically rather than after you notice a charge three months in.
  • Receipt capture and tax-deductible expense tracking are built into the same workflow as budgeting, so you are not stitching together a separate receipt app at tax time.
  • Scenario modeling for financial decisions is vendor-described as part of the core feature set, so you can stress-test a job change or large purchase against your actual account data rather than a spreadsheet estimate.
  • Freemium tier described as free with no credit card required, so you can assess data connection depth and agent behavior before committing spend.

Cons

  • No API access is available, so any team or power user who wants to pipe financial insights into their own dashboard, alerting stack, or data warehouse hits a dead end — there is no workaround short of manual export.
  • No self-hosted option exists, meaning all account data flows through Centiv infrastructure. Users with strict data-residency requirements or who connect accounts at a business rather than personal level have no path to keeping data on their own stack — that constraint alone pushes compliance-sensitive users to self-hostable alternatives.
  • The scraped page content provided does not match this product, which means independent verification of agent behavior, data-sharing scope, and categorization accuracy could not be completed for this listing. Teams should validate transaction categorization accuracy against their own account complexity before treating briefings as a source of financial truth.

About

Platforms
iOS, Android
API Available
No
Self-Hosted
No
Last Updated
June 3, 2026

Best For

Who it's for

  • Users wanting AI-assisted budgeting without traditional advisors
  • People concerned about privacy in fintech
  • Anyone tracking subscriptions or managing multiple accounts
  • DIY investors seeking daily financial briefings
  • Gen Z and millennials managing everyday finances

What it does well

  • Monitor and reduce subscription waste
  • Get personalized budgeting and goal planning
  • Track financial health across multiple dimensions
  • Capture receipts and tax-deductible expenses
  • Run scenario modeling for financial decisions

Integrations

10000+ US financial institutions via bank-link partner

Compare Centiv

Frequently Asked Questions

Is Centiv free?
Centiv offers a free option alongside paid upgrades. Pricing: $7.75/mo or $92.99/yr. Check the current allowances and terms before choosing a plan.
What platforms does Centiv support?
Centiv is available on: iOS, Android.

The tool data describes a freemium personal finance product from Centiv that deploys six specialized AI agents to run financial monitoring tasks in the background: reading account data, analyzing transactions, tracking subscriptions, scoring financial health across multiple dimensions, and delivering daily briefings. The intended workflow is passive — connect accounts, let agents surface waste and anomalies, receive briefings without manually pulling reports.

The differentiating claim, per the tool data, is the agent-per-domain architecture: rather than one general assistant answering questions, separate agents own discrete jobs — subscription detection, health scoring, receipt capture, scenario modeling. In theory this means each domain runs independently and can be tuned without breaking the others. Whether that architectural separation holds at the data-pipeline level cannot be confirmed from the available source material.

The use case fit described in the tool data points toward people who distrust traditional advisors, track multiple accounts, or want daily financial visibility without manual input — particularly younger users managing fragmented finances across gig income, multiple banks, or overlapping subscriptions. The privacy framing suggests the product is positioned against data-broker-heavy fintech incumbents, though the specific privacy architecture is not verifiable from the page content available.

Note: the scraped page returned during content extraction describes an unrelated product (a travel identification app called Spotter). All feature descriptions above are drawn exclusively from the structured tool data and validator context. Any production evaluation should be grounded in the live Centiv product page before account credentials are connected.

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