FORECAST WHAT'S AVAILABLE.
sTAY AHEAD OF OVERDRAFT RISK.

Daily 60-day checking account forecast—shows what's available to move or spend, your low point, and early overdraft-risk warnings. Read-only via Plaid.

Forecasts are estimates and can change.

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Centinel dashboard showing safe status and stating $500 in available cash with a corresponding 60-day balance forecast chart.

BUILT FOR OPTIMIZATION AND PEACE OF MIND

One Forecast. Two Answers.

See what’s available to move or spend, and get early warnings before your balance dips too low.

What You'll See

Available: If you’re on track, Centinel shows Available: Up to $X — what may be free to move or spend while staying above the minimum balance you set (your Floor).

Warning: If you're not, Centinel shows the amount and date tied to the risk — whether you’re projected to dip below your Floor or below $0.

Account Low: You’ll also see Account Low — your projected lowest balance over the next 60 days.

Context: We keep your Account Low and Floor visible so you can see what’s driving the headline.

How It's Calculated

Start: Centinel begins with your current checking balance and your upcoming schedule of income and expenses.

Forecast: We forecast forward day by day—subtracting expenses and adding income—to simulate how your balance changes over the next 60 days.

Conservative: When inflows and outflows land on the same day, we assume the outflows hits first—so results aren’t overly optimistic.

Find: Identify your Account Low and compare it to $0 and your Floor to compute available cash or flag a warning.

Centinel dashboard showing overdraft risk alert, prompting to add $500 before Jan 27, with balance forecast chart showing account dipping below zero.

THE PROCESS

How It Works

Connect your accounts, confirm your schedule, and Centinel monitors your 60-day forecast daily.

Step 1: Connect Accounts

Checking: Link your bank in ~30 seconds via Plaid. Centinel pulls your balance and identifies your recurring income and expenses.
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Credit Cards: Link your cards to dynamically track card payments in your forecast.

Step 2: Confirm & Complete

Review: Confirm the recurring income and bills we found. Edit anything that’s off.

Complete: Add anything missing so your forecast is more accurate from day one, and set your Floor (the minimum balance you want to stay above).

Step 3: Daily Monitoring

Refresh: Each day, Centinel automatically pulls your latest account balance and updated credit card info and refreshes your 60-day forecast.

Headline: We surface the headline right away—either what's projected as available, or the amount and date tied to a projected dip below your Floor or $0.

Step 4: Explore & Control

View it your way: Flow (big picture), Calendar (day-by-day), or Ledger (full list).

Understand what's happening: Tap any day to see what hits—and how it affects your balance.

Refine: Life doesn't always follow a schedule. Edit a paycheck, move a bill, or add a one-time expense. Centinel recalculates instantly.

Built for Modern Cash Flow.

Designed for real life.

Black credit card with a chip, surrounded by glowing blue digital network connections on a dark background.

Smart Credit Card Tracking

Most apps miss one of the biggest variables in your cash flow: your credit cards.

Connect your credit card once. Set your payment preference (statement balance, minimum payment, or a custom amount)—and change it anytime. Whenever your statement updates, Centinel refreshes your forecast to keep it current.

Cash flow chart showing account balance fluctuating between $2,000-$4,000 while staying above $1,000 floor threshold.

Your Floor: Set Your Minimum Balance.

Set your Floor—the minimum balance you're comfortable with. Centinel flags days you’re projected to dip below it, so you can plan ahead.

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 if you’re projected to dip below $0 or your Floor—with the date and amount.

Three Ways to View Your Money

Flow

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

Calendar

Transactions, mapped to the day they're projected to post to your account.

Ledger

A clean, detailed list of your income, expenses, 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.

Starter
$0
/month
Free forever
Track your balance and recurring cash flow manually. Like a spreadsheet, only prettier.
- INCLUDES:
- ☑️ Track cash flow manually
- ☑️ Set your Floor (minimum balance)
- ☑️ Available cash + risk outlook
- ☑️ 60-day forecast horizon
- ☑️ Flow, Calendar, and Ledger views
Join Waitlist
Premium
$9.99
/month
or $99/year (save 17%)
Automatic updates, smart alerts, and automated forecasting.
- EVERYTHING IN STARTER, PLUS:
- ☑️ Recurring cash flow detection
- ☑️ Automatic account balance updates
- ☑️ Forecast stays in sync as transactions post
- ☑️ Smart credit card tracking
- ☑️ Alerts for projected shortfalls ($0 or Floor)
Join Waitlist

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:

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Encryption: Your data is encrypted in transit and at rest.
Read-only access: Centinel can only read your account data—we can't move money or make changes.
Secure credential handling: Centinel never sees or stores your bank login credentials.

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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 money hits or leaves your checking account. It runs a 60-day forecast that shows your projected available cash and flags upcoming shortfalls before they happen.

Yes, use both! Use a budgeting app to stay on top of spending habits. Use Centinel to minimize idle cash and spend with more confidence—without dipping below your Floor or risking an overdraft. 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 60-day projection of your balance that shows your projected available cash and flags if you’re projected to dip below $0 or your Floor—so you see issues early, not after the fact.

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 stays current.

What if multiple transactions happen on the same day?

Banks don’t always process same-day transactions in a predictable order. When money comes in and goes out on the same day, Centinel uses a conservative timing assumption, assuming debits post before credits. This helps keep your projected available cash from being overly optimistic, and it can surface intraday overdraft risk when timing could matter. Forecasts update as transactions clear and can change.

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 see or control every real-world decision or unexpected transaction, but it can forecast your balance and flag risks ahead of time based on what it knows. Outcomes depend on data provided and user action. Think of Centinel as a tool, but you’re still the one in control of your money.

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.

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

STAY A STEP AHEAD