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?
Coming Spring 2026
Your spending
is nonsense.
We're here to tell you.
NonCents tracks what you spend and texts you about it. No app. No dashboard. Just straight answers in your messages.
No spam. Your data stays yours.
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Bank-level encryption
No app install
You're in. We'll email you when it's time to get roasted.
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How it actually works
No app to download. No login to forget.
It texts you. You tap back.
NonCents works on iMessage, Android Messages, and plain SMS. It doesn't care about your phone. It cares about your spending.
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.
No budgets. Not ever.
It learns your baseline and pings when you drift. No envelope setup. No category babysitting. No spreadsheet you'll abandon by February.
Household mode, same truth
Invite your partner. Both get the weekly roast in your own threads. Same numbers, no hiding.
Reply SHARE for a brag card
Get a 1080x1920 roast card in-thread. Post it, text it, flex it.
Every account, one place
Checking, savings, cards, investments, retirement. Real balances and net worth.
Gets smarter every tap
Tap "Household" once on an Amazon order. It remembers forever.
Categorize in-message
Unknown charge? Tap a category and keep moving. No app hunting.
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.
WHY TEXTS BEAT APPS
SMS open rate
vs 20% for email
90s
Average response time
vs never for app notifications
30 days
Average finance app lifespan
before you delete it
Apps to install
that's the whole point
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
Your bank app won't say this. Your spouse is tired of saying it. We'll say it every Monday.
Pricing
Less than one DoorDash order.
$12.47
avg DoorDash order
$9
.99
/mo
Every account. Every transaction. Every week.
One text thread. Cancel anytime via text.
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.
Powered by Plaid
Bank-level encryption
First month free at 5 referrals