Maximize Every Cent with Envelope Budgeting

Put the power back in your pocket with our mobile app, designed to help you take total control of your money, one cent at a time.

* Try free for 34 days

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How Does It Work?

Follow the Centsible three step budgeting approach to create a budget you are more likely to stick with

App screen
App screen
App screen
step 1

Plan for your monthly expenses

Most budgeting starts with the basics - your monthly expenses. Any bills you have monthly can be planned for up front. You can do that in Centsible using Plans. No need to remember how much to fund each bill. Plan for it and get a shortcut every month to fund that exact amount.

step 2

Create sinking funds

A sinking fund is a fund where you set aside a little bit of money for a period of time in order to make a big purchase. Think vacations, clothing, yearly insurance, or subscriptions. We know the bill is coming. But it is so far out in the future we forget. When the bill comes due it throws our budget out of whack, leading some to think budgets do not work. You can create a sinking fund in Centsible by using Plans with an end date.

step 3

Track expenses

Once you have your category plans set up it's time to track expenses. Your category available total shows you how much money you have planned to spend. Enter your transactions and Centsible keeps track of all the totals for you. If you ever spend more money than you expected to in any category you can move money from another category to cover your spending.


Create a budget you can stick with

  • Zero-based budgeting.
  • Add unlimited categories to match any budget.
  • Plan for monthly and non-monthly expenses.
  • Move money around with a solid, yet flexible budget.

Account balance and expense tracking

  • Cleared and uncleared transactions to match your bank accounts.
  • Split transactions for when you shop at a big-box store.
  • Reconciliation available to help you keep your accounts in sync.
  • Manual transaction entry to give you complete control.

Visualize your spending

  • Quickly see if you are spending less than you make.
  • Visualize your spending to make changes if needed.
  • More coming soon.

Simple Pricing


Save 30%
per year (USD)


per month (USD)

Any questions?
Check out the FAQs

We understand there are some popular apps which are free. But nothing is ever free. They harvest your data to sell you ads. At Centsible we do not believe something as personal as your finances should be sold to the highest bidder.

Instead we want to build a sustainable product without needing to resort to dirty tricks to make money. It's simple. We make a darn good budgeting app and you pay to use it. No ads or data harvesting. Your data is your data.

Centsible does not support direct importing transactions from your bank yet. You must manually enter transactions. We feel this brings intentionality to your budget. We are working on direct importing transactions in 2023!

Centsible supports syncing between devices. Although we currently do not support multiple emails per account, you can share passwords or login for them.

We currently do not support migrating your existing data from another budgeting app. If you would like to switch contact support for the feature request.

Any feedback or feature requests can be sent to support.

We are also trying to build a community in our subreddit, r/centsible. Feel free to hang out there and talk all things finance.