Everything in one place

A budget that tells the whole story.

Opticents brings the moving parts of a real household budget together without turning them into a maze.

Plan the month

A dedicated number after upcoming bills and the savings target, separate from monthly money remaining.

Navigate past and future months, annual bills, future starts, and one-time expenses.

Monthly and yearly bills with manual, automatic, paid, custom-amount, and undo flows.

Purpose-built recurring categories plus your own custom categories and labels.

Track checking, savings, cash, and cards without handing over bank credentials.

Limits, utilization, APR, minimums, due dates, payoff estimates, and transfers that avoid double-counting.

Set limits for categories or individual merchants; matching transactions fill the right bar.

Find transactions by category, label, account, type, and pending or cleared status.

Track goals and see the projected result of the current month.

Choose report details, print through Android, or save a PDF.

Move data with password-protected AES-256-GCM .opticents packages and tamper checks.

Versioned migration backup, explicit erase confirmation, editable records, and archive states.