Your finances,
one message away

Text what you spent. Snap a receipt. Ask how your month looks. Centimo handles everything — right in WhatsApp.

Start using Centimo for free

No credit card. Use it free or upgrade to Pro plan.

Centimo online
Spent $45 at Walmart on groceries
10:30 AM
Got it! I've recorded your expense:

Amount: $45.00
Merchant: Walmart
Category: Groceries
10:30 AM
How much have I spent this week?
10:31 AM
You've spent $287.50 this week across 12 transactions. Your top category is Groceries at $124.00.
10:31 AM
No app needed
Multilingual
Bank-level encryption

How it works

No apps to download. No accounts to set up. Just open WhatsApp and start tracking.

1

Send a message

Text, snap a receipt photo, or send a voice note — however you prefer to log your spending.

2

AI categorizes it

Centimo instantly understands the amount, merchant, and category — no manual entry needed.

3

Get insights

Ask questions, request reports, or let Centimo send you automatic daily and weekly summaries.

Try it now — it's free

The convenience of WhatsApp. The power of a full dashboard.

Chat to log expenses on the go, then open the Console on any browser for charts, filters, exports, and the full picture.


Open Console →
Centimo Console

Finally, finances you can share

No more asking how much did you spend. With shared accounts, everyone in your household logs expenses to the same place — each from their own WhatsApp.

  • Invite anyone with a single link
  • Everyone tracks from their own phone
  • See combined spending in one dashboard
  • Perfect for couples, families, or roommates

Each member gets their own conversation with Centimo. Expenses are pooled automatically, so you always know where the household money is going.

Centimo online
Invite my partner to our account
3:45 PM
Here's your invite link:

centimo.ai/invite/h7k2...

Share this with your partner. When they message Centimo, they'll be added to your "Home" account.
3:45 PM

Everything through chat

Powerful personal finance features, delivered the simplest way possible.

Log expenses in 3 seconds flat

Just tell Centimo what you spent in plain language. It understands amounts, merchants, and categories automatically — in English or Spanish.

Centimo online
Uber to the airport $28
9:15 AM
Recorded! $28.00 for Uber under Transportation.
9:15 AM
Coffee and croissant 6.50
9:42 AM
Got it! $6.50 under Coffee & Tea.
9:42 AM

Snap a receipt. Done.

Snap a photo of any receipt and send it to Centimo. AI reads the merchant, items, and total — so you don't have to type a thing.

Centimo online
Receipt photo
2:10 PM
I see a receipt from Whole Foods:

Organic Milk — $5.99
Avocados (3) — $4.47
Sourdough Bread — $4.99

Total: $15.45 under Groceries
2:10 PM

Too busy to type? Just talk.

Too busy to type? Just record a quick voice note. Centimo transcribes and processes it in seconds — hands-free expense tracking.

Centimo online
0:04
6:20 PM
I heard: "Paid thirty dollars for parking at the mall"

Recorded $30.00 under Parking.
6:20 PM

Know exactly where your money went

Get automatic daily, weekly, and monthly summaries sent right to your chat. Or ask for a report anytime — Centimo breaks down your spending by category.

Centimo online
Weekly report
8:00 PM
Your week at a glance:

Total spent: $412.30
Transactions: 18

Groceries: $156.20
Dining Out: $89.00
Transport: $72.50
Entertainment: $48.60
Other: $46.00
8:00 PM

Multiple accounts, one chat

Create separate accounts for different parts of your life — personal spending, a household budget, a trip with friends. Switch between them instantly by just saying the account name.

Centimo online
My accounts
4:10 PM
Your accounts:

1. Personal (active)
2. Home (shared · 2 members)
3. Trip to Paris (shared · 4 members)

Say "switch to Home" to change accounts.
4:10 PM
Switch to Home
4:11 PM
Switched to Home. Your expenses will now be tracked here.
4:11 PM

Export to Excel in one message

Need your transactions in a spreadsheet? Just say "export my data" and Centimo sends you a download link — ready to open in Excel or Google Sheets, with date, category, merchant, and amount.

Centimo online
Export my data from this month
11:02 AM
Your file for This Month is ready:

centimo.ai/export/k9m3...

Valid for 24 hours. Open in Excel or Google Sheets.
11:02 AM

Split group expenses with a link

Splitting a trip, dinner, or gift? Tell Centimo and it creates a group, generates a WhatsApp join link, and shares it instantly. Anyone who taps the link joins the group. Once everyone's in, log expenses in plain text — Centimo splits them automatically and tracks who owes what until everything is settled.

Centimo online
We're splitting the Airbnb, 4 of us — give me a link
9:44 PM
Created group Airbnb.

Share this link with your group:
wa.me/1234?text=join+ABCD1234

(Code: join ABCD1234)

Once they join, log expenses here and they'll be split automatically.
9:44 PM
I paid $360 for the Airbnb
9:52 PM
Logged $360.00 for Airbnb.
Split 4 ways: $90.00 each.

 • Marcos: $90.00
 • Sofi: $90.00
 • Luca: $90.00
9:52 PM

Lent money? Track it without awkward asks

Just tell Centimo you lent money to someone. It logs the debt, generates a personal link, and you forward it to them. When they tap it, Centimo connects them to the debt — no sign-up required. From then on, both sides get gentle reminders until it's paid back.

Centimo online
I lent Marcos $150 for the hotel
3:45 PM
Logged that Marcos owes you $150.00 for the hotel.

Forward this link to Marcos to connect him to the debt:
wa.me/1234?text=deuda+3FA8C21B

(Code: deuda 3FA8C21B)
3:45 PM
Marcos activated the debt. He'll get a reminder in 3 days if it's not settled.
4:02 PM

Automatic nudges — for both sides

Centimo automatically reminds the debtor at the right time — and keeps you in the loop too. Reminders escalate gradually, so debts don't get forgotten without being annoying.

Centimo online
Reminder: you owe Laura $80.00 for the dinner.

Tell me "I paid Laura" when you do.
10:00 AM · Day 7
Sent to Laura (the lender): Reminder: Carlos still owes you $80.00 for the dinner. If they haven't activated Centimo yet, resend them the link.
10:00 AM · Day 7

Built for side hustles too

Sell homemade goods or run a small business? Set up your products once and Centimo logs income, cost of goods, and profit automatically every time you report a sale.

Centimo online
Sold 10 packs today
5:30 PM
Sale logged for 10 packs:

Income: $240.00
Cost: $70.00
Profit: $170.00

Stock remaining: 16 packs
5:30 PM

Simple plans for every budget.

Start free, upgrade when you need more.

Monthly
Annual Save 30%

Free

$0 / forever
Always free — no trial required
  • 20 transactions/month
  • Receipt scanning
  • Voice messages
  • Daily + monthly reports
  • Visual dashboard
  • Shared accounts
  • IOU & debt tracking
  • Group expense splitting
  • Subscription tracking
  • Export to Excel
  • Product & sales tracking
  • Unlimited history
  • Multi-currency support
Get started free
MOST POPULAR

Pro

$5.99 / mo
Billed monthly
  • Unlimited transactions
  • Receipt scanning
  • Voice messages
  • Daily + monthly reports
  • Visual dashboard
  • Shared accounts
  • IOU & debt tracking
  • Group expense splitting
  • Subscription tracking
  • Export to Excel
  • Product & sales tracking
  • Unlimited history
  • Multi-currency support
Go Pro

Less than 2 coffees a month for complete control of your finances.

Frequently asked questions

Is my financial data secure?

Absolutely. All data is encrypted in transit and at rest. We never share your financial information with third parties. Your privacy is our top priority.

Do I need to download anything?

Nope! Centimo works entirely through WhatsApp. If you have WhatsApp, you're ready to go. Just send a message and start tracking.

Can I use it in Spanish?

Yes! Centimo is fully bilingual. You can write to it in English or Spanish and it will respond in your language. Switch anytime.

What happens after the 14-day trial?

After your Pro trial, you automatically move to the free plan — no charge, no cancellation needed. The free plan includes all features, limited to 20 transactions/month. Upgrade to Pro ($5.99/mo or $49.99/yr) anytime for unlimited transactions.

Can I cancel anytime?

Yes, cancel anytime with no questions asked. Your data stays available on the free plan with its limits.

What currencies are supported?

Centimo supports all major currencies including USD, EUR, GBP, MXN, DOP, and many more. You can track expenses in any currency.

How do multiple accounts work?

You start with a personal account. You can create additional accounts anytime — for example, a Home account for household expenses or a Trip account for a vacation. Say my accounts to see all your accounts, and switch to [name] to change which one you're tracking to. Each account keeps its own transactions, categories, and reports.

How do I invite someone to a shared account?

Just ask Centimo to invite someone — say invite my partner and you'll receive a unique link to share. When the other person messages Centimo through that link, they're automatically added to your account. Everyone tracks expenses from their own WhatsApp, and all spending is combined in one place.

How is this different from a budgeting app?

Most budgeting apps require you to open an app, navigate screens, and manually enter data. Centimo lives in WhatsApp — just send a message like you would to a friend. No friction, no app fatigue.

Start your 14-day free trial now

Start free trial on WhatsApp
Start tracking for free