A planning layer for one cash balance

Give every dollar a job.

Cent splits your balance into buckets — rent, goals, guilt-free spending — without moving a cent between accounts. What's left has a name: True Free Cash. It's the number you can actually spend.

See how it works → Request early access →
Available $3,240
Rent
Needs $1,600
Unassigned
Emergency
Needs $900
Unassigned
Guilt-Free
Holds $312
Unassigned
True Free Cash $0

The problem with a single number

A balance is not a budget.

$3,240
One number. Four different jobs.

When money sits in one undifferentiated pile, every dollar feels interchangeable — so it gets spent. Cent draws the lines before you do.

Rent Due the 1st
$1,600
Emergency buffer Three months out
$900
Guilt-free Yours to enjoy
$312
True Free Cash What's genuinely safe
$428

See it in action

Thirty seconds. One balance becomes a plan.

Watch a single cash balance turn into buckets, goals, and one number that's genuinely safe to spend.

The buckets

Same account.
Different jobs.

Every bucket is a label on the same brokerage cash. Nothing transfers, nothing locks — you just always know what each dollar is for.

September RentFunded
Recurring · monthly
$1,600of $1,600
Emergency BufferFunded
Three-month floor
$900of $900
Japan 2027Accruing
Auto · $220 / month
$6,420of $8,400
Guilt-FreeAvailable
Spend without guilt
$312ready now
Brokerage cash · $3,240 — Buckets are Cent's planning layer. Your cash never moves.

True Free Cash

$428

This is what's actually yours today. Spend it, save it, or leave it alone — none of those break the plan.

Auto-accrual

Goals that fund themselves.

Set the target and the date. Cent accrues toward it every month — a little at a time, on its own — while your brokerage cash sits exactly where it is.

Japan
Target · Apr 2027
Goal$8,400
Funded$6,420
Monthly$220
StatusOn track

The guilt-free bucket

Guilt-free isn't a budgeting failure.

One bucket exists purely for ordinary pleasures. Draw it down to zero and nothing else even flinches — your goals and True Free Cash don't move.

Guilt-Free · July$312 to start
Concert ticket Fri · The Fillmore
$68
Late-night noodles Sat · with friends
$24
A genuinely good coffee Tue morning
$6
Paperback, on a whim Wed
$18
Left in bucket$196
Japan 2027 Goal
$6,420
Emergency Buffer
$900
True Free Cash Still yours
$428

A plan that forbids joy is a plan you'll ignore. So Cent budgets for it on purpose.

Why not just track spending?

Mint showed you where it went.
Cent decides where it can go.

Tracking, after the fact
You review the damage.

Categories fill in once the money's already spent. Helpful for a post-mortem, useless in the moment a decision is made. The number on your screen is history.

Assigning, before it disappears
You make the call first.

Every dollar is committed the day it lands, so the balance you see is already honest about what's spoken for. True Free Cash is the only number left to decide on.

The members' ledger

Cent isn't open yet.
You can request your place.

We open access in small batches so the product stays quiet, considered, and close to the people using it. Leave your email and we'll reconcile you in.

Access granted in small batches, weekly.

Cent Provisional access
MEMBER No. 0,412
On the members' ledger
Access granted in small batches, weekly Reserved · Jul 2026