What is left until payday
The start screen shows your free amount until the next payday and how much that is per day. Below it are the next payments due — mark one as paid with a single tap.
Offline budgeting for iPhone
Know your money.Own your future.
See at a glance what is really free until your next payday — after fixed costs, savings and your safety buffer. No sign-up, no bank login, no cloud.
Coming soon to theApp Store
iPhoneiOS 17 or laterEnglish & GermanWorks offline
Free until paydayafter fixed costs and savings
Receipt scantext recognition on the device
Encrypteddatabase and backups
Centamo answers one question: how much can you still spend until payday? It subtracts open fixed costs, planned savings and your safety buffer from what you have. No bank connection, no account — your numbers stay encrypted on your iPhone.
How it works
From the first booking to a clear plan.
A booking in seconds
Expense, income or transfer: enter the amount, pick a category, done. Under More details you add a merchant, a note, tags, a split or a receipt. Scan the receipt with the camera or pick a photo — text recognition on your iPhone suggests amount, date and merchant, and nothing is applied until you confirm.
See the next weeks coming
The forecast projects your balance for 7 days, 30 days or 3 months, including your fixed costs. With What if? you try out a purchase before you make it — nothing is saved.
Budgets that fit your pay cycle
Set budgets from payday to payday or per calendar month — for a category, a group, an account, a tag or in total. Leftovers can carry over, and a warning threshold tells you early. Savings goals get a priority and optional reminders.
Subscriptions & contracts
Fixed costs with term, notice period, price history, documents and payment history — so no renewal surprises you.
Debts & loans
Credit cards, loans and money you lent or borrowed. Partial payments are booked together with a real transaction.
Household & split
Split costs equally, by percent, by shares or as fixed amounts. People are just names on your iPhone — nothing is synced.
Reports
Week, month, pay cycle or year with comparisons, savings rate and top merchants. Export as CSV or PDF.
Widgets
Free amount, Due soon and New booking on your Home and Lock Screen. Amounts are hidden by default.
Real app screens
Everything in one place.
Start
Free until payday and the next payments.
New booking
Amount, category, details.
Forecast
Your balance over the coming weeks.
Budgets
Per pay cycle or calendar month.
Savings goals
Progress, priority and reminders.
Upcoming payments
Fixed costs with reminders.
Debts & loans
What you owe and what you get back.
Reports
Income, spending and categories.
Household
Shared costs, split fairly.
Privacy & backup
Encrypted backup and exports.
App lock
Face ID, Touch ID or passcode.
Screens show sample data.
Your data
Your finances are nobody else’s business.
- No account, no bank login. Centamo works without sign-up and never connects to your bank.
- Encrypted on your iPhone. The database is encrypted with SQLCipher, receipts and documents with AES-GCM; the keys stay in the iOS Keychain on this device.
- No tracking. The app contains no analytics, no ads and no crash-reporting SDK, and it does not send your data anywhere.
- Exports only when you choose. CSV and PDF files are created on request; backups are protected with a password you set.
FAQ
Good to know
What is Centamo?
A budgeting app for iPhone. You record income and expenses, plan fixed costs, budgets and savings goals, and always see what is free until your next payday.
Do I need an account or a bank connection?
No. Centamo has no sign-up and does not connect to banks. You enter bookings yourself or scan a receipt.
Where is my data stored?
Only on your iPhone, in an encrypted database. It is excluded from iCloud and device backups — use the encrypted backup under Privacy & Backup to keep a copy.
How does the receipt scan work?
You scan a receipt with the camera or pick a photo. Text recognition runs on your iPhone and suggests amount, date and merchant; you check and confirm. The receipt is stored encrypted with the booking.
Can I export my data?
Yes. You can export bookings as CSV and reports as CSV or PDF. These files are not encrypted, so Centamo asks before creating them. A full backup is a password-protected file.
Can I share a budget with my partner?
Centamo runs on one device and does not sync. Household and split help you divide shared costs; the other people are just names on your iPhone.
Which devices and languages are supported?
iPhone with iOS 17 or later. The app is available in English and German.
Know your money.
Centamo for iPhone — coming soon to the App Store.
Coming soon to theApp Store