Not another budgeting app you'll delete in two weeks. NonCents connects to your banks and texts you like a friend who cares too much — right next to your iMessages, your group chat, and your mom. (Android too. We don't judge.)
$9.99/mo · Cancel anytime · Your data stays yours
Week in review: $1,847 spent. Groceries at $412 — honestly, respect. But then you dropped $634 on shopping. Two Amazon orders and a Target run. You went to Target "just for paper towels" again, didn't you?
You reply "break down the Target trip" and NonCents splits it into 14 items. Paper towels were $8. The other $127 was not paper towels.
Just saw $189 at Nordstrom Rack. Love a good deal. But clothing is at $430 this month and we're 12 days in. At this pace you'll hit $1,075 by month end. Your average is $280. That's not a deal, that's a spree.
You reply "it was a gift for my wife" and it's recategorized instantly. NonCents responds: "Ok that's actually sweet. Carry on."
Quick check-in nobody asked for. Your savings rate: 9%. Your goal: 20%. That's $840/month you said you'd save but didn't. Dining is up +$320/mo. And you picked up 3 new subscriptions since December — $47/month you probably forgot about. Want me to list them so you can pretend you'll cancel?
You reply "what subscriptions" and get the list. Then you actually cancel one. NonCents: "Look at you. Growth."
January is done. The damage: $8,247 spent on $11,200 income. Savings rate: 14% — not your goal, but better than December's 9%. Net worth: $187,420 (up $2,100). Best category: Groceries at $380, lowest in 6 months. Worst: Dining at $1,240. New personal record. Congrats?
One text. Your entire financial month. No pie charts. No login. Just the numbers and the tone you deserve.
NonCents lives right next to your iMessages. No app to download. No login to forget. No dashboard collecting dust in a browser tab you closed three weeks ago. Just a blunt, helpful, slightly rude friend who actually makes you look at your money.
Checking, savings, credit cards, investments, retirement — all of it. Calculates your actual net worth. Not the vibes-based number you tell yourself in the shower.
Tell it "Costco under $20 is the food court" once. It remembers forever. Within a month it knows your spending better than you do. Low bar, but still.
Budgets are New Year's resolutions for your bank account. NonCents learns what "normal" looks like for you and calls you out when you drift. No envelopes. No categories to maintain. No guilt over a latte.
You ignore app notifications for a living. That's a skill at this point. Texts have a 98% read rate. NonCents lives in your SMS inbox — right next to your group chat, your mom, and your spouse asking "what was that charge?"
Plaid handles your bank connections — same infrastructure behind Venmo, Robinhood, and every fintech you already use. We never see your password. We just see every transaction. That's the scary part.
Text back "how much on groceries?" or "recategorize that as business" or "leave me alone." First two get instant answers. Third one gets cheerfully ignored. You signed up for this.
NonCents works on iMessage, Android Messages, whatever you text with. It doesn't care about your phone. It cares about your spending. And it will not stop caring until you do something about it.
"I finally canceled the 3 subscriptions I forgot about. NonCents roasted me about them every Friday until I did."
— Beta user, father of 4, definitely not named Ryan
3 minutes to set up. First text arrives tomorrow morning. Brace yourself.
Connect your accounts. Get the texts. Stop pretending you'll "check the app later."
Get NonCents →