Coming Spring 2026

Your spending
is nonsense.
We're here to tell you.

Not another budgeting app you'll delete in two weeks. NonCents is a personal finance spending tracker with SMS alerts for people who make good money but couldn't tell you where $2K went. Household mode and SHARE cards are included.

No spam. One email when launch access opens.

You're in. We'll email you when it's time to get roasted.

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NonCents
RCS · Verified Business
Monday 8:02 AM
Good morning. You spent $2,340 last week. Eleven restaurant trips. On a teacher's appreciation week budget, apparently.
Savings rate is 9%. Two months ago it was 19%. That's not a dip. That's a lifestyle change.
Break it down I know, I know What's my goal?
Break it down
Chick-fil-A: 6x ($62). Burgatory: 2x ($124). DoorDash: 1x ($211). That DoorDash order is doing a lot of heavy lifting here.
$47.23 at AMZN MKTP. What was this?
Household Kids Groceries Gift
Got it. AMZN → Household. I'll remember that.
How it actually works

No app to download. No login to forget.
It texts you. You tap back.

Monday
8:00 AM
Weekly roast

The weekly roast shows what happened and gives you a fast path to details and better decisions.

Week in review: $1,847 spent. Groceries at $412 — honestly, respect. But shopping hit $634. Two Amazon orders and a Target run. You went to Target "just for paper towels" again, didn't you?
Break down Target How's my savings rate?
Break down Target
Target: $135. Paper towels: $8. Candles: $24. Kids clothes: $47. "Home decor": $56. Paper towels were 6% of that trip.
Think you can keep dining under $350 next week?
Challenge accepted No chance
Noted. I'll check back Monday. Don't embarrass yourself.
SHARE
Built your weekly brag card. Sending it now.
Tuesday
2:47 PM
Smart alert

Real-time alerts only when something unusual hits your baseline.

$189 at Nordstrom Rack. Clothing is at $430 this month — 12 days in. At this pace you'll hit $1,075. Your average is $280.
Gift for my wife I needed it I know...
Ok that's actually sweet. Recategorized to Gifts. Carry on.
Thursday
9:15 AM
Win detected

When you make progress, it calls that out too and logs the behavior that worked.

Groceries this month: $340. That's your lowest in a year. What changed?
Meal planning Cooking more Just lucky
Noted. That's $720/year back in your pocket if you hold it. I'll remind you if groceries start creeping up.
First of month
8:00 AM
Monthly mirror

One monthly mirror, then fast feedback so message volume can tune itself.

January done. Spent: $8,247 on $11,200 income. Savings rate: 14% — up from 9% in December. Net worth: $187,420 ↑$2,100. Best: Groceries $380. Worst: Dining $1,240. New personal record. Congrats?
How helpful was January's check-ins?
Keep it coming Too many texts More detail
Music to my ears. Or... texts to my API. Whatever.
Let's be clear

This is not another budgeting app.
You're never going to open those.

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.

Sees every account you have

Checking, savings, credit cards, investments, retirement. Real balances and net worth in one place.

Gets smarter every tap

Tap "Household" once on an Amazon order and it remembers. Every reply teaches the categorization engine.

No budgets. Not ever.

It learns your baseline and pings when you drift. No envelope setup. No category babysitting.

1

Household mode, same truth

Invite your partner so both of you get the weekly roast in your own SMS threads.

One tap to categorize

Unknown purchase? Tap a category in-message and keep moving. No app hunting or dropdown drills.

Reply SHARE for a brag card

Get a 1080x1920 weekly roast card in-thread, then share it yourself wherever you want.

Real talk

You don't need another app.
You need a friend who won't shut up.

NonCents works on iMessage, Android Messages, and plain SMS. It doesn't care about your phone. It cares about your spending.

You'll love this if:

✓ You make good money but couldn't tell me where $2K went last month
✓ You've downloaded Mint, YNAB, and Monarch and opened each one exactly 4 times
✓ You'd rather someone text the answer than open a dashboard
✓ Your partner says "what was that charge?" at least weekly
✓ Your strategy is "we're probably fine" and you know that's weak

Honestly? Skip this if:

✕ You're in a real debt crisis (talk to a human pro first)
✕ You want spreadsheet-heavy planning and detailed envelope budgets
✕ You want stock picks (we don't do that)
✕ You dislike blunt feedback
✕ You want another app icon you'll ignore
Pricing

Less than one DoorDash order.
More useful than every finance app
you've already deleted.

$9.99/mo
Coming Spring 2026. Waitlist gets first access.
  • Unlimited bank and card connections
  • Investment and retirement tracking
  • Daily digest + smart alerts
  • Weekly roast + monthly mirror
  • One-tap transaction categorization
  • Two-way SMS conversation
  • Household mode for couples
  • Reply SHARE for a shareable weekly card
  • Learns your patterns over time
  • Calls out wins and overspending

You're in. We'll email you when it's time to get roasted.

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No app install. No setup today. Just first-in-line access.

Your bank app won't say this.
Your spouse is tired of saying it.
We'll say it every Monday.

Get on the waitlist. We'll text when it's go-time.

You're in. We'll email you when it's time to get roasted.

Couldn't save that right now. Try again in a minute.