Subscription tracking that tells the truth
Weekly, quarterly, yearly, or every 14 days — every cycle is normalized to a real monthly figure, so you finally see the total. Link each plan to the card it hits and know what lands next.
Personal finance, minus the pressure
Simple Cents shows where your money actually goes, plans it half a month at a time, and gives you a gentle pause before you click buy.
One calm workspace for subscriptions, cards, statement imports, bi-monthly budgets, and the moments where spending gets impulsive.
New accounts start pre-filled with realistic example data, so nothing looks empty.
Four things it does properly
Bi-monthly budgeting, not monthly guessing
You get paid twice a month, so you plan twice a month. Columns for the 1st–15th and 16th–end, grouped by chequing, emergency savings, and TFSA, with carry-forward from the period before.
Statement import that learns your bank
Upload a CSV, map the columns once, and save it as a bank preset. Next time the same headers auto-map. Duplicate rows are filtered out before they ever reach your ledger.
A purchase check, not a scolding
When a checkout page appears, Simple Cents offers a short exercise to ride out the urge. Buy it or skip it — either way the moment gets recorded without judgment.
A gentler way to handle the urge
Simple Cents keeps a small library of CBT and DBT distress-tolerance exercises: urge surfing, the 10-minute rule, playing the tape forward, reframing cost as hours of work, box breathing, and a values check. The goal is never shame — it's putting a gap between the urge and the click.
01
Notice the wave
02
Wait ten minutes
03
Decide from calm
Supportive by design. Whatever you decide gets logged without a lecture.
Companions on your Mac and in your browser
The web app is the source of truth. Sub Buddy for macOS and the Chrome extension pair to it with a device token and sync in both directions.
Sub Buddy for macOS
A menu-bar companion that pulls down your subscriptions and card due dates, and nudges you the day before a payment lands.
Chrome extension
Spots checkout pages, offers a coping exercise, and records the moment as a purchase check you can review later.
Start with a clear picture of the next two weeks
Free to set up, calm by default, and yours alone — every row is scoped to your account.
Sign up for Simple Cents