Cent Capital

Hey, Hunters! 👋

Shivam, founder of Cent Capital, here. I'm incredibly excited to finally share what we've been building.

https://cent.capital/?ref=producthunt

For years, my personal finance stack was a mess—a custom spreadsheet, a @YNAB (You Need A Budget) subscription I could never stick to, and a constant feeling of anxiety. I was building complex AI for Wall Street, but I couldn't find a tool that made me feel in control of my own money.

That’s why we built Cent Capital. We wanted to create a financial co-pilot with the beautiful design of tools we love like Figma, the intuitive feel of Superhuman, and the powerful intelligence of modern AI from companies like @OpenAI.

Our platform securely connects all your financial accounts using @Plaid (just like @Venmo or @Robinhood ) and gives you a single, clear view of your finances. From there, our AI analyzes your spending to give you personalized, educational insights, helping you find savings and reduce stress.

I'll be here all day with the team (we're probably in @Slack and @Linear right now! 😅) to answer every single question. As people who live and breathe product, your feedback would be a gift.

Thanks for checking us out. We're excited to hear what you think!

I discovered Cent Capital about a month ago and decided to give it a try after getting frustrated with my current budgeting setup. As someone juggling multiple bank accounts and credit cards, I was looking for better personal finance management.

What stands out:

The account connection process was surprisingly smooth - used Plaid integration to link my Chase, Wells Fargo, and Amex accounts without any issues. Much easier than manually importing CSV files like I used to do.

The AI-powered insights feature caught me off guard in a good way. Within the first week, it flagged some recurring charges I wasn't paying attention to - found about $45/month in subscriptions I could cancel. The hidden fees detection actually works.

Really appreciate the financial education section. Most apps just show you charts and graphs, but this actually explains what the data means and gives actionable advice. The spending analysis helped me realize I was spending way too much on food delivery.

Security was my biggest concern initially, but they seem to have proper encryption and bank-level security measures in place. Haven't had any issues so far.

The dashboard interface is clean and doesn't overwhelm you with too much information at once. Easy to navigate and find what you need.

Areas for improvement: Still feels like a newer platform - would love to see more advanced investment tracking features.

Overall experience: Solid financial dashboard that actually provides useful financial insights beyond basic transaction tracking. Good value for the premium features if you're serious about financial planning.

For a relatively new platform, they're definitely on the right track. Worth trying if you want better visibility into your spending patterns and financial health.

4.5/5 stars - Great start for a personal finance platform.

⭐⭐️⭐️⭐️⭐️
Surprisingly helpful. It flagged patterns I’d been missing and gave me clear steps to fix them. Clean, fast, and mostly spot-on. A little polish needed, but I’m sticking with it. Waiting for new updates