KNOW IF YOUR ACCOUNT
WILL STAY SAFE.

Every morning, Centinel checks your account balance, forecasts weeks and months ahead based on your actual paychecks and bills, and warns you before overdrafts or unsafe lows.

Join Waitlist
Smartphone screen showing a financial app dashboard with account balance, low account alert, and a line graph of balance events from Nov 14 to Dec 21.

THE INSIGHT

You're Not Bad With Money.
Your Tools Are Blind to the Future.

Most apps show where your money went. Centinel shows where it's going—and when you need to act.

What You Have

Budgeting

Budgeting apps track when you spend, not when the money leaves your account. Modern budgets weren't built to answer cash flow questions—Centinel was.

Account Balance

Your balance is a snapshot. It shows you today, but can't see the collision of bills and paychecks ahead. You're left guessing about what's coming.

Spreadsheets

Manual tracking is tedious and error-prone. Fail to update one recurring charge and your whole projection is off. It's work you shouldn't have to do.

What You Need

Forecasting

Track when money moves. See every bill and paycheck hitting your account up to 180 days ahead—so you're never caught off guard.

Your Risk Picture

Account Low shows your lowest point. Action Needed By shows when you'll first go negative. Know your risk and your deadline in seconds.

Automation

Connect your accounts once. Every morning, we sync your account balance and credit card statements, recalculate your forecast, and alert you if you're at-risk.

Mobile app screen showing account status with warnings for low account balance and action needed, current balance, floor limit, and a flow graph chart of balance over time.

How It Works

Connect

Step 1: Connect

Link your bank in 30 seconds via Plaid. Centinel learns your recurring income and expenses automatically.

Confirm

Step 2: Confirm

Quick review of what we found. Adjust anything and connect your credit cards for automatic tracking (optional but powerful).

Daily monitoring

Step 3: Daily Monitoring

Each morning, Centinel recalculates your balance projection using your latest account balance, recurring transactions, and updated credit card information, and alerts you if your account is at-risk.

Explore and control

Step 4: Explore & Control

View it your way: Flow view for the big picture, Calendar for day-by-day details, or Ledger for a complete transaction list.

Understand what's happening: Tap any day to see which transactions hit and how they affect your balance.

Refine: Life doesn't always follow a schedule. Edit upcoming paychecks if you're working extra hours, adjust bills if dates change, or add one-time expenses. Centinel recalculates instantly.

Built Different.

Built for modern cash flow. Designed for your reality.
Black credit card with a chip, surrounded by glowing blue digital network connections on a dark background.

Smart Credit Card Tracking

Most apps miss the biggest variable in your cash flow: your credit cards.

Connect your credit card once. Set your payment preference (statement balance, minimum payment, custom amount, or current balance). Centinel automatically updates your projection whenever your statement balance changes— no manual entry, no calendar reminders, no wondering if your forecast is still accurate.
Glowing blue line graph showing fluctuating values between $2,000 and $4,000 from mid-November to mid-December with an overall upward trend.

Your Floor: Stay in Your Comfort Zone.

Set your Floor—the minimum balance you're comfortable with—and Centinel alerts you when you're projected to drop below it.
Hand holding a smartphone displaying a notification from Centinel with the message 'Action Needed' and the time 8:37 on Thursday, January 8.

Alerts That Matter

Get notified when your account is projected to go negative or drop below your Floor—with the date, the amount, and enough time to act.

Three Ways to View Your Money

Flow

Your balance in motion—a visual timeline of how your balance changes over time.

Calendar

Every transaction, mapped to the day it hits your account.

Ledger

A clean, detailed list of every inflow, outflow, and running total.
Line graph showing balance over time from Nov 14 to Dec 21 with events marked by blue dots, account low indicated by a gray dot, and a floor at $1000.April calendar grid highlighting various days with event counts and dollar amounts, including 3 events on the 3rd with $50, 2 events on the 4th with $1,200, and 3 events on the 24th with $2,300.Ledger view showing transactions from Nov 7 to Dec 1 with starting balance, salaries, credit card payments, rent, amounts in green for income and red for expenses, and updated balances.

PRICING & PACKAGING

Our Plans

Start free. Upgrade when you're ready for automation and alerts.
Support

Frequently Asked Questions

Is it safe to connect my bank?

Yes. Centinel uses Plaid to connect to your bank—the same technology trusted by Venmo, Robinhood, Coinbase, and millions of users. Here's how Plaid keeps you safe:

‍

  • Bank-level encryption: Your data is encrypted end-to-end
  • Read-only access: Centinel can only view your transactions—we can't move money or make changes
  • Secure credential handling: Centinel never sees or stores your bank login credentials

‍

Learn more at Plaid's safety page.

How is Centinel different from a budgeting app? Should I use both?
Budgeting apps track your spending behavior—swipe your credit card today, it's logged today. Great for understanding spending habits, but they don't forecast when bills actually hit your checking account.

Centinel uses your cash flow to track when moves leaves your checking account. We forecast the exact moment your balance drops and alert you before you're at risk.  

Yes, use both! Use a budgeting app to stay on top of spending habits. Use Centinel to make sure your checking account never runs dry. They solve different problems.
How does Centinel's forecasting work?
Centinel forecasts your checking account balance by simulating your future cash flow day by day. It takes your current balance, then automatically applies each scheduled expense and income on the date it’s expected to occur.

The result is a running projection of your balance that determines whether your account is at risk—either of dropping below $0 or your Floor—so you can take action before it happens.
My cash flow changes relatively frequently. How does Centinel handle this?
Centinel is built for real life—where paychecks change, bills shift, and plans aren’t always predictable. Adjust a single paycheck, edit your recurring income, or add one-time expenses anytime. Centinel instantly updates your forecast so it always matches what’s really happening in your account.
Can Centinel guarantee I’ll never overdraft?
No app can guarantee you’ll never overdraft—and Centinel won’t pretend to.

Overdrafts can still happen when unexpected transactions hit or when you ignore alerts. Centinel can’t control your spending, but it can forecast your balance, flag risks early, and give you time to respond.
I'm joining the waitlist—what should I expect?

You’ll be the first to hear about Centinel’s launch and early-access milestones. As we prepare for beta, we’ll invite a select group of testers from the waitlist to try new features, share feedback, and help shape Centinel’s development. Here's what early testers typically get:

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  • Early access to Premium features before public launch.
  • Direct line to founders: Report bugs, request features, shape the product.
  • Influence that matters: We use tester feedback to shape the roadmap..
  • Occasional rough edges: Beta builds may include bugs or missing features—your insight helps us improve fast..

‍

You'll receive an email if you're selected to participate in early access or upcoming beta rounds.

STAY A STEP AHEAD

Limited Early Access.

Join the waitlist for priority access to Centinel’s launch and get invited to test features before the general public.
Centinel Insights

Resources

Guide
11/21/25
Why Biweekly Pay Makes Budgeting Harder (And How to Fix It)
Biweekly paychecks and monthly bills don’t line up. Here’s why budgeting feels harder on biweekly pay—and how to fix it.
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About us

Centinel monitors your account, forecasts your future balance, and alerts you when a risk is on the horizon.

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