About Centinel

Built for optimization and peace of mind.

We built Centinel after realizing budgeting apps could tell us where money went, but not what was actually available—or when we might run tight. Centinel brings a personal-treasury approach to checking: see what’s available to move or spend, and get early warnings before your balance dips too low.

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Our Story

When one of our founders switched from semi-monthly to biweekly pay, his cash-flow rhythm broke. Income started landing every other Friday, but his bills stayed monthly. The mismatch left him constantly running numbers—asking whether his current balance and upcoming paychecks would cover what was ahead.

He tried a traditional budgeting app, but it answered “where did it go?”—not “what’s actually available?” That meant guessing how much he could move, then hoping what was coming in would cover what was going out. And when you guess, you pay: overdraft fees—or cash left idle “just in case.”

So we built Centinel around a simple idea: bring a personal-treasury approach to checking. Centinel runs a daily forecast, highlights your projected low point, shows what looks available to move or spend, and warns you early if you’re projected to run tight—so you can act sooner, not scramble later.

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Our Approach

Clarity over complexity

No dashboards for their own sake. Every view helps you understand your cash flow—and answers two questions: what looks available, and whether risk is ahead.

Transparency, not black boxes

No hidden logic. You see what drives your numbers—today's balance, upcoming cash-flow events, your Floor, and Account Low (your projected lowest balance).

Proactivity, not reactivity

We help people act before there’s a problem—not after it hits.