The privacy-first Quicken alternative

Your entire financial life.
In one file.

Like Mint, but offline. Like Quicken, but without the subscription.

Centsai is a personal finance dashboard that lives in a single HTML file. No accounts. No subscriptions. No cloud sync, no bank login, no data leaks. Just open it in any browser, and master your money.

Get Centsai — $10 See it in action
One-time payment Works offline 100% private
file:///Users/you/centsai.html
Good afternoon, Alex
Here's where your money stands today.
June 2026
Net Worth
$84,250
+ $2,140 this month
Cash Flow
+$3,210
+ 12% vs. May
Spending
$2,890
+ $180 over budget
Savings Rate
38%
+ 4 pts vs. May
12-month net worth
Top categories
Housing$1,400
Groceries$520
Dining$310
Transport$220
Other$440
Comparison

Centsai vs. everyone else

If you're shopping for a Quicken alternative, a Mint replacement, or just an honest budget tool that doesn't want your bank password, here's the at-a-glance.

  Centsai Quicken Mint / Credit Karma YNAB Spreadsheet
Price $10 once $60–120 / yr "Free"paid in your data $109 / yr Free
Subscription required No Yes Account required Yes No
Data stays on your device Yes Cloud Intuit servers Cloud Yes
Works fully offline Yes Partial No No Yes
No account / no login Yes No No No Yes
Pretty, no-formula dashboard Yes Yes Yes Yes DIY
Owned forever, never expires Yes No No No Yes
Bank API auto-sync CSV importprivacy trade-off Yes Yes Yes No
Want the long version? Read Centsai vs. Quicken · Centsai vs. Mint & Credit Karma
Features

Everything you need.
Nothing you don't.

Centsai does one thing perfectly: help you see, understand, and improve your money — without ever asking for a login.

Spending forecast

Project your cashflow forward. See exactly when bills hit, how much runway you have until payday, and what a raise or job change would do.

Cash flow visualizer

See exactly where your money comes from and where it goes. Spot leaks before they become floods.

Smart budgets

Set monthly limits per category. Centsai shows you exactly how much runway you have until payday.

Emergency-fund runway

Centsai calculates your 6-month emergency-fund target from your actual spending — and projects when you'll hit it at your current savings rate.

Privacy by design

Your data never leaves your device. No servers. No analytics. No "we updated our privacy policy" emails.

Works everywhere

Mac, Windows, Linux, ChromeOS, iPad — anywhere a modern browser runs. No install, no app store, no admin rights.

How it works

From checkout to clarity
in 60 seconds.

1

Buy & download

Pay $10. Receive a single centsai.html file. That's the whole product.

2

Open in any browser

Double-click the file. Chrome, Safari, Firefox, Arc — it just works. No install, no setup wizard, no account.

3

Master your money

Add accounts, log transactions, set goals. Centsai saves everything locally. Open it tomorrow — it's all still there.

The philosophy

Why one file?

Every other finance app wants your email, your bank login, and a monthly fee. Centsai wants none of those. It's a single, self-contained file that runs on the most universal app on Earth — the browser you already have.

  • It can't get hacked from the cloud There is no cloud. Your money data sits on your hard drive, not someone else's server.
  • It can't be discontinued The file is yours. If Centsai shuts down tomorrow, your dashboard still works in 10 years. (Ask anyone who used Mint.)
  • It works everywhere Mac, Windows, Linux, ChromeOS, an old iPad, a USB stick — anywhere a browser runs.
  • It respects your wallet $10 once. Not $10/month forever. Use it for the next decade — no surprise charges, no price hikes.
.html
centsai.html
~600 KB · self-contained
Pricing

One price.
One file. Forever.

No tiers. No trials. No "Pro upgrade." Pay once, own it, use it for the rest of your life.

Lifetime access
$10
one-time · forever yours
vs. Quicken ~$72/yr vs. YNAB $109/yr vs. Monarch ~$100/yr
  • Full Centsai dashboard (single HTML file)
  • Works offline on any browser, any device
  • No accounts, no logins, no cloud sync
  • Lifetime access — never expires
  • 100% private — data stays on your device
  • 30-day money-back guarantee
Buy Centsai — $10
Instant download · Secure checkout via Creem · No subscription
Terms · Privacy · Refunds
Questions

Frequently asked.

It really is one-time. The whole product is a file that you download. There is no server we can hold hostage. The day you buy it, it's yours forever — even if Centsai the company disappears tomorrow.
Quicken locks you into a $60–120/year subscription with cloud storage you can't opt out of. Centsai is $10 once, stores everything locally, and works offline. The trade-off: no automatic bank syncing. Most people consider that a feature, not a bug. Read the full comparison →
Yes — and it's safer than what Intuit replaced Mint with. Credit Karma harvests your financial data to sell you credit products. Centsai harvests nothing because it has no server. See the Mint vs. Centsai breakdown →
In your browser's local storage — on your device. Nothing is ever sent over the network. No analytics, no telemetry, no servers. Your data is genuinely yours.
No — and that's by design. Bank-syncing apps are the reason your financial data ends up in a dozen third-party databases. Centsai imports your transactions from a Quicken Simplifi CSV export. Simplifi handles the bank connections; Centsai keeps the data local on your device once you've imported. The import takes about 2 minutes a week.
Yes. One file, around 600KB, that contains the entire app — HTML, CSS, JavaScript, all bundled. You can open it offline, on a plane, on a USB stick, on an old laptop. Anywhere.
Your purchase comes with lifetime re-downloads. Just enter the email you bought it with, and you'll get a fresh copy. Pro tip: drop a backup on iCloud, Dropbox, or a USB stick.
Yes. 30-day, no-questions-asked refund. Email hi@getcentsai.com and you'll get your $10 back, fast.

Take control of your money.
For ten dollars.

Stop renting your financial dashboard. Own it. One file, $10, forever.

Get Centsai now