Ciento is a personal finance assistant powered by AI. Think of it as a GPS for your money, you tell it where you want to go (goals, budgets), it alerts you to obstacles along the way (cashflow calendar, upcoming bills), and you can talk to it naturally through chat without ever handing over your banking credentials. It tracks your income, expenses, net worth, and financial goals, all in one place.
Where is Ciento available?
Ciento is available on iOS and Android worldwide. We are actively expanding regional optimizations.
Do I need to connect my bank account?
No. Ciento is built on a strict Privacy First and Zero Bank Links philosophy, your banking credentials never leave your hands. All data is entered manually or through the AI chat, which makes logging a transaction as fast as sending a text message.
How do I get started?
Sign up with your email and password, no credit card required. Onboarding walks you through five quick steps: (1) read our Privacy-First policy, (2) choose your currency, (3) create your first wallet, (4) add your salary and spending categories, and (5) connect the AI assistant to Telegram, WhatsApp, or use the in-app chat.
Is Ciento available on iOS and Android?
Yes. Ciento is a React Native app available on both iOS and Android. Your data syncs securely to the cloud via Supabase.
Can I use Ciento across multiple devices?
Yes. Because your data is stored in a secure cloud database, you can log in from any supported device and instantly access your up-to-date wallets, budgets, goals, and transaction history.
Features
What can I track with Ciento?
Ciento lets you track income, expenses, and transfers across multiple wallets, recurring transactions, financial goals, cashflow calendar, and budgets per spending category.
What are Wallets?
Wallets are the building blocks of Ciento. Each wallet represents a place where money lives or is owed: chequing, savings, credit card, cash, or investments. Ciento sums up all your wallets to calculate your Net Worth automatically.
What is the Cashflow Calendar?
The Cashflow Calendar shows your entire month at a glance, with green indicators on income days and red on expense days so you can spot patterns visually.
What are Financial Goals?
Financial Goals let you save toward a specific target with a name, target amount, and deadline with visual progress indicators.
How do Recurring Transactions work?
Recurring transactions represent bills or income that repeat on a schedule (rent, Netflix, salary). Ciento alerts you of upcoming payments.
What are Budgets?
Budgets let you set a spending limit per category with real-time progress and proactive alerts from your assistant.
Does Ciento support multiple currencies?
Yes. You can assign a different currency to each wallet, ideal for managing multi-currency finances.
Can I share a wallet with someone else?
Yes. You can invite family members, partners, or associates to a shared wallet by email with role-based access control.
Does Ciento support Apple Wallet and Siri?
Yes. Ciento integrates with iOS App Intents, so you can log expenses hands-free with Siri Shortcuts.
Pricing
Is Ciento free?
Yes. Ciento has a free tier that includes core expense tracking, multiple wallets, budgets, goals, and AI assistant access. No credit card required.
What does Premium include?
Premium unlocks everything: unlimited categories and wallets, shared wallets, full AI assistant access, and priority support.
Can I cancel my subscription at any time?
Yes. Cancel any time from your device subscription settings in the App Store or Google Play.
Is there a free trial for Premium?
Ciento offers a free tier with no credit card required so you can explore core features before upgrading.
Privacy & Data
Does Ciento connect to my bank?
No, and that is intentional. Ciento uses AI-assisted entry instead so your banking login credentials are never shared.
Where is my data stored?
Your data lives in a secure PostgreSQL database powered by Supabase with Row Level Security (RLS) policies.
How are my receipt photos and voice notes stored?
Receipt images and voice notes are stored in private cloud storage buckets accessible only through secure short-lived URLs.
Does Ciento sell or share my data?
No. Your privacy is non-negotiable. We will never sell your personal information.
How do I delete my account?
Contact us at product@cientolabs.com or use the in-app deletion flow under Settings -> Profile.
AI
How does the AI assistant work?
The AI assistant is powered by Google Gemini and communicates through a secure MCP server with controlled access to your data.
What can I ask the AI?
Ask about expenses, budget status, goal progress, currency conversions, or command it to record transactions.
Can I add transactions by chatting?
Yes. Send a plain text message like "I bought coffee 6.50$" and the AI extracts amount, category, and updates balances.
Can I send voice notes or receipt photos to the AI?
Yes. The AI supports multimodal input including voice notes and receipt photo scanning.
Can I use the AI assistant via WhatsApp or Telegram?
Yes. Connect your account during onboarding to message the AI directly from WhatsApp or Telegram.
Does the AI give financial advice?
Yes, practical insights based on your actual numbers, such as emergency fund health and budget warnings.
Are AI responses always accurate?
The AI works strictly from your recorded data. Always verify important decisions against your actual records.
Account
How do I change my email or password?
Update your email or password from the Profile section in the Ciento app.
I forgot my password. What do I do?
Tap "Forgot Password" on the login screen to receive a secure reset link.
How do I invite someone to a shared wallet?
Open the wallet settings, tap "Invite Member", and enter their email address with a role.
What do the shared wallet roles mean?
Owner has full control, Admin manages transactions & members, Member adds/edits transactions, Viewer reads data.
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