Personal vs. Work,
split on every transaction.
Categorize each charge with a single keystroke. See exactly what you spent personally vs. on the job, ready for reimbursement at month-end.
Track credit card transactions, split personal vs. work expenses, and visualize monthly trends. All stored locally on your Windows PC — no account, no subscription, no cloud.
Centsmith writes a single SQLite file in your %APPDATA% folder. It never makes a network request. Ever.
Monthly credit card spending, split between Personal and Work, plus checking income
Latest month: May 2026
No login wall. No data harvesting. No subscription fatigue. Just a fast, native Windows app that does exactly what it says.
Categorize each charge with a single keystroke. See exactly what you spent personally vs. on the job, ready for reimbursement at month-end.
Monthly bar charts, category breakdowns, and trend views. Spot a creeping subscription before it becomes a habit.
All data lives on your Windows machine. No account. No subscription. No telemetry. Delete the app and it's truly gone.
CSV for accountants. PDF for tax time. SQLite for the curious. Your records are yours to take anywhere.
Centsmith updates ship as signed installers. Auto-update is opt-in, and yes — it's also offline.
Centsmith is built by one person. Every feature request lands in the same inbox as bug reports. Tell me what's missing.
Your note landed in my inbox. I read everything.