Personal finance, minus the busywork
Every paycheck,
all the way to zero.
Even Cents is a paycheck-first money tracker. When you get paid, you send that money to your bills, cards, and savings until nothing's left unaccounted for. No categories to maintain, no spending diary, no guilt.
Encrypted with a key only you hold.
Payday · Fri, Jun 26
checking
Every dollar has a job.
The payday ritual
Other budgeting apps want you tracking spending across dozens of categories all month. Even Cents asks for two minutes on payday — then you're done until the next one.
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01
Bring in your pay
Enter your net paycheck — or let a recurring deposit fill it in for you.
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02
Send every dollar somewhere
Pay each bill and card, set aside savings. Watch the remainder count down as you go.
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03
Land on zero
Sweep whatever's left to savings. Close the app knowing nothing's unaccounted for.
No categories
You name a payee — Mortgage, Amex, Savings — and that's it. No taxonomy to babysit.
Built for pay periods
Bi-weekly, twice a month, monthly — your bills land on the checks that actually pay them.
Penny-exact, always
Type 600/2 in any amount. Money is stored to the cent, so it never drifts like a spreadsheet.
Your finances, encrypted with a key only you hold
Everything you enter is encrypted at rest under a key derived from your password. We can't read your data in the database or our backups — and neither can anyone who isn't you.
The trade-off we won't hide: lose both your password and your recovery code, and the data is gone for good. That's the cost of a key we genuinely can't see.
Start with your next paycheck.
Free to set up. Bring your history along — import your spreadsheet.