CentsCheck

CentsCheck is a personal finance app that helps users track spending, set daily safe‑to‑spend limits, and manage budgets across multiple currencies. Built as a solo project with AI assistance, it offers features like receipt scanning, shared pool budgeting, portfolio tracking, and AI‑driven expense logging, all without requiring bank logins. The service is free to start and available on iOS and Android.

CentsCheck is profiled on the APIs.io network. Tagged areas include Personal Finance, Budgeting, Mobile App, iOS, and Android.

CentsCheck’s developer surface includes changelog, getting-started guide, support, engineering blog, pricing, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.0/100 emerging Agent 6/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemium

0 APIs

Personal Finance Budgeting Mobile App iOS Android

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 18.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 17

Access Clarity 8.1 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 6/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 9.5 — up to +18.1 composite points
Contract Governance scores 0.0 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/centscheck-com/apis.yml: open an issue on github.com/api-evangelist/centscheck-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

CentsCheck API pricing

Prices published by CentsCheck, read 2026-11-03 from centscheck.com/pricing. A free plan or tier is listed.

Plan	Price
Free	Free
Pro	Pro is bought in-app, at your store's local price.
Business	US$7.49 a month or US$74.90 a year

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Centscheck Com Plans Pricing

3 plans

PLANS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Centscheck Com Domain Security

TLSv1.3 · HSTS

SECURITY

Centscheck Com Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Access & Security 4

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

ChangeLog

ChangeLog

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: centscheck-com
name: CentsCheck
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  probe_state: none
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://centscheck.com/og-image.jpg
description: CentsCheck is a personal finance app that helps users track spending, set daily safe‑to‑spend limits, and manage
  budgets across multiple currencies. Built as a solo project with AI assistance, it offers features like receipt scanning,
  shared pool budgeting, portfolio tracking, and AI‑driven expense logging, all without requiring bank logins. The service
  is free to start and available on iOS and Android.
url: https://artifacts.apis.io/centscheck-com/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-03 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-03'
modified: '2026-11-03'
tags:
- Personal Finance
- Budgeting
- Mobile App
- iOS
- Android
tags_raw:
- PersonalFinance
- Budgeting
- MobileApp
- iOS
- Android
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/centscheck-com-plans-pricing.yml
- type: ChangeLog
  url: changelog/centscheck-com-changelog.yml
- type: LLMsTxt
  url: llms/centscheck-com-llms.txt
- type: SecurityTxt
  url: well-known/centscheck-com-security.txt
- type: WellKnown
  url: well-known/centscheck-com-well-known.yml
- type: Hosts
  url: hosts/centscheck-com-hosts.yml
- type: Vendors
  url: vendors/centscheck-com-vendors.yml
- type: Security
  url: https://centscheck.com/security
- type: ChangeLog
  url: https://centscheck.com/releases
- type: GettingStarted
  url: https://centscheck.com/support/ai-link
- type: VulnerabilityDisclosure
  url: security/centscheck-com-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/centscheck-com-domain-security.yml
- type: Website
  url: https://centscheck.com/
- type: Support
  url: https://centscheck.com/support
- type: Blog
  url: https://centscheck.com/blog
- type: Pricing
  url: https://centscheck.com/pricing
- type: TermsOfService
  url: https://centscheck.com/terms
- type: PrivacyPolicy
  url: https://centscheck.com/privacy
apis: []
x-coverage:
  state: none
  reason: no-developer-program
  detail: CentsCheck provides a budgeting app but does not offer a public developer API or program.
  evidence:
  - url: https://centscheck.com/
    status: 200
  checked: '2026-11-03'
x-enrichment:
  date: '2026-11-03'
  status: enriched
  artifacts_added: 14
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

CentsCheck API — frequently asked questions

How much does the CentsCheck API cost?

CentsCheck publishes its prices; its Pro plan is Pro is bought in-app, at your store's local price. as of 2026-11-03. APIs.io lists 3 pricing plans for CentsCheck, with each plan's price, limits and inclusions under Pricing on this page.

Is the CentsCheck API ready for AI agents?

CentsCheck has a Kin Score of 18.0 out of 100 (emerging) and an Agent Readiness score of 6.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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