A WEATHER FORECAST FOR YOUR CHECKING ACCOUNT

KNOW WHAT'S SAfe to spend — Or what's at risk.

Centinel runs a 2-month forecast that updates daily, flagging shortfalls early and showing the cash you can safely move, save, or spend.

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iPhone displaying Centinel app forecasting checking account balance with 2-month cash flow graph and available cash estimate

BUILT FOR OPTIMIZATION AND PEACE OF MIND

One Forecast. Two Answers.

Centinel forecasting a checking account balance over 2 months with an early overdraft warning

AT RISK

Get warned before your balance dips too low.

When you're projected to fall short, Centinel tells you exactly how much you need and by when — so you can act before it hits.

ON TRACK

See what's available to move or spend.

When your balance stays above the minimum you set, Centinel shows how much cash you can confidently move to savings, invest, or spend — without cutting it too close.

THE PROCESS

How It Works

Connect your accounts, confirm your schedule, and Centinel monitors your forecast daily.

1

Connect Your Accounts

Link your checking account and credit cards in under a minute via Plaid. Centinel identifies your recurring income and expenses automatically.

Secure Connection

2

Confirm Your Schedule

Review what we found and fix anything that is off. Add anything we missed and set your Floor — the minimum balance you want to stay above.

Review and Adjust

3

See Your Forecast

Centinel runs a 2-month forecast that refreshes daily. You will see what is available to move or spend — or get warned before your balance dips too low.

Updated Daily

Built for How Money Actually Moves.

Your cash flow isn't static. Your forecast shouldn't be either.

Smart Credit Card Tracking

Connect your credit card once. Choose how you pay and Centinel keeps your forecast updated automatically as each billing cycle closes.

4821

Chase Sapphire Preferred

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PAYMENT AMOUNT

Statement Balance $1,247.83

Updates automatically each billing cycle

Minimum Payment $35.00

Updates automatically each billing cycle

Custom Amount

Fixed amount each month

PAYMENT DATE

Due Date Apr 15

Updates automatically each billing cycle

Custom Day

A fixed day you choose — e.g., the 20th

Your Floor

Set your Floor — the minimum balance you're comfortable with. Everything above it is yours to move or spend. And when you're projected to fall below it, Centinel alerts you, so you can act before it becomes a problem.

Floor

$1,000

Cash flow

Floor

A Forecast That Stays Accurate

Your balance updates automatically, so your forecast always starts from the right place. And as transactions post, Centinel matches them to what the forecast had already projected — so your forecast stays reconciled against reality, not just layered on top of it.

DIRECT DEPOSIT PAYROLL

Feb 10 Salary

+$3,000.00 ›

AUTO LOAN PAYMENT

Feb 5 Car Payment

-$300.00 ›

RESIDENTIAL MGMT LLC

Feb 1 Rent

-$2,000.00 ›

Our Plans

Yearly

Monthly

Starter

$0 /month

Free forever

Build and explore your 2-month forecast manually. Set your Floor, see your available cash, and view your outlook.

Includes:

Track cash flow manually
Set your Floor (minimum balance)
Available cash + risk outlook
2-month forecast horizon
Flow, Calendar, and Ledger views

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Recommended

Premium

$5.83 /month

$69.99 billed yearly

Centinel connects to your accounts and keeps your forecast current automatically — so you always know where you stand.

30-day free trial · No card required

Everything in Starter, plus:

Recurring cash flow detection
Automatic account balance updates
Forecast stays in sync as transactions post
Smart credit card tracking
Alerts for projected shortfalls ($0 or Floor)

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Support

Frequently Asked Questions

Is it safe to connect my bank?

Yes. Centinel uses Plaid to connect to your bank—the same technology trusted by Venmo, Robinhood, Coinbase, and millions of users. Here's how Plaid keeps you safe:

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Encryption: Your data is encrypted in transit and at rest.
Read-only access: Centinel can only read your account data—we can't move money or make changes.
Secure credential handling: Centinel never sees or stores your bank login credentials.

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Learn more at Plaid's safety page.

How is Centinel different from a budgeting app? Should I use both?

Budgeting apps track your spending behavior—swipe your credit card today, it's logged today. Great for understanding spending habits, but they don't forecast when bills actually hit your checking account.

Centinel uses your cash flow to track when money hits or leaves your checking account. It runs a 2-month forecast that shows your projected available cash and flags upcoming shortfalls before they happen.

Yes, use both! Use a budgeting app to stay on top of spending habits. Use Centinel to minimize idle cash and spend with more confidence—without dipping below your Floor or risking an overdraft. They solve different problems.

How does Centinel's forecasting work?

Centinel forecasts your checking account balance by simulating your future cash flow day by day. It takes your current balance, then automatically applies each scheduled expense and income on the date it’s expected to occur.

The result is a running 2-month projection of your balance that shows your projected available cash and flags if you’re projected to dip below $0 or your Floor—so you see issues early, not after the fact.

My cash flow changes relatively frequently. How does Centinel handle this?

Centinel is built for real life—where paychecks change, bills shift, and plans aren’t always predictable. Adjust a single paycheck, edit your recurring income, or add one-time expenses anytime. Centinel instantly updates your forecast so it stays current.

Can Centinel guarantee I’ll never overdraft?

No app can guarantee you’ll never overdraft—and Centinel won’t pretend to.

Overdrafts can still happen when unexpected transactions hit or when you ignore alerts. Centinel can’t see or control every real-world decision or unexpected transaction, but it can forecast your balance and flag risks ahead of time based on what it knows. Outcomes depend on data provided and user action. Think of Centinel as a tool, but you’re still the one in control of your money.

I'm joining the waitlist—what should I expect?

Centinel is in private beta now, and we're using our testers' feedback to get it ready for launch. We're adding testers from the waitlist in small batches, and invitations go out by email.

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Either way, you'll be among the first to know when Centinel launches. Beyond that, expect only the occasional email about major milestones. No spam, and you can unsubscribe at any time.

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Have a question or idea in the meantime? Email us at support@centinelmoney.com.

STAY A STEP AHEAD