New: Snap & Scan your bills with AI
Budget better.
Stress less.
The bill tracker and reminder app that keeps every bill on time — plus a weekly Wallet Health Report that shows where your money really goes.
3-day free trial on all plans. Cancel during the trial and you won’t be charged. T&Cs apply.
1,200+ people already track their bills with smartCent
Phone & Internet due in 2 days$65.00 · Reminder set
Upcoming billsLive bank feed
$4,350Payment of bills due this month
Phone & InternetDue in 2 days$65.00
Electricity billAdded with Snap & Scan$125.60
Monthly rentRepeats monthly$1,250.00
InsurancePaid today$888.00
Net account balance$35,485Across your linked banks
Groceries budget$473 / $59280% used this month
Securely connects withCommonwealth BankNABWestpac+ more
SSL encryptedHosted on AWSPrivacy built in
EVERYTHING IN ONE APP
All the features you need to manage your money.
Bills, budgets, transactions and your Wallet Health Report in one calm view — so nothing slips through the cracks.
Never miss a due date
See every bill on one calendar, know exactly how much you need this month, and get reminded before each one is due — so you never pay a late fee.
This month you need $1,542 to pay your bills
MonTueWedThuFriSatSun
2$68
3$70
4
5$500
6$125
7
8
9
10$10
11
12$500
13
14
15
Rent · due Thu 12$500.00
Snap & Scan your bills
Snap a photo of a bill and smartCent’s AI reads the amount, due date and bill name for you. Prefer typing? Create a bill manually in a few quick steps.
AIElectricity bill scannedsmartCent read the details
Bill amount$125.60
Due date25 May
Bill nameElectricity bill
Budget smarter, save more
Set a budget for each category and see how much you’ve used this month — with overspending flagged before it adds up.
Groceries$473 of $592 · 80%
Phone & Internet$934 of $575 · 162%
Over budget
Insurance$888 of $7,397 · 12%
EVERY WEEK
Your Wallet Health Report
Find real savings in your spending. See your total income, expenses and financial debts side by side, get a warning when debts climb too high, and spot risky spending before it costs you.
Total income$22,600
Total expenses$19,500
Financial debts$13,000
Your debts are 80% of your total income — review your debts
Financial commitments
Mortgage loansCredit cardsBuy now pay laterOther debts
See every transaction, save even more
Your balance, upcoming bills and spending for the last 7, 30 or 90 days at a glance. Search any transaction, or add one yourself.
7 days30 days90 days
Net account balance$35,485
Upcoming bills$4,350
Spending$7,210
Set up in minutes. Stress-free for good.
01Connect your bank
Securely link your accounts to see every transaction and balance in one place.
02Snap, scan or add your bills
Snap a photo of a bill and let smartCent’s AI capture the details, or create one manually in a few quick steps.
03Relax — we'll remind you
Get a nudge before every due date and a Wallet Health Report each week.
SECURITY
Your security is our highest priority.
Get your bank feeds safely with bank-grade security, running on reliable cloud infrastructure.
SSL encrypted
Your data is encrypted in transit between you and smartCent.
Hosted at AWS
Reliable cloud infrastructure that keeps the app up and running.
User data privacy
Privacy controls are switched on for every account.
Bank-grade security
Connect Commonwealth Bank, NAB, Westpac and more.
Join 1,200+ people already using smartCent
Take control before the month ends.
Try every feature free for 3 days. Cancel during the trial and you won’t be charged.