Spending is a habit before it’s a decision.
NoCents
NoCents is an expense tracker designed around real behavior, not ideal behavior. Most tools try to guide or score spending. NoCents does something simpler: it records what happens, when it happens, and leaves the interpretation to you. No accounts. No bank connections. No pressure to “do better.”
Instead of trying to predict, optimize, or correct behavior, NoCents helps people observe it. Over time, patterns become visible naturally - without judgment, and without turning money into a performance.
How it’s designed
Use-driven, not engagement-driven.
NoCents is designed to be opened when something happens - not because it asks for attention.
No reminders, streaks, or pressure to “check in.” You use it because you spent money, not because the app demands it.
Fast enough to disappear.
Logging should take seconds. The moment it feels like work, the tool has failed.
NoCents is built to get out of the way quickly, so you can return to real life.
Clear patterns, no commentary.
No targets, no scores, no moral framing. NoCents doesn’t tell you what’s good or bad.
It simply shows what’s there, over time, and lets patterns speak for themselves.
Respect for attention.
Your time is limited. NoCents does not compete for it.
The app responds when you need it and stays silent when you don’t.
Privacy as a baseline.
No identities. No profiles.
Any analytics are anonymous, aggregated, and never tied to individuals.
WORK WITH US
NoCents is an independent project, built with long-term trust in mind. If you’d like to get in touch, you can reach us here.