Personal finance assistant

Your money in your hands,
Ceres by your side

Ceres tracks your spending period by period, spreads what’s left across the days and shows how the period will close before it does. Ask it anything; it answers from your own data in seconds.

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Ceres AIIn Premium

A personal assistant that knows your money

Ceres doesn’t just list what you spent: it answers from your own data when you ask, notices things before you do and guides you before you pay. More than a tracker — a money assistant in your pocket.

How it helps

Ceres does the maths. You make the call

All of it runs on your own records, and every answer comes as a figure, a short line and a chart.

  1. 01

    Ask, and it answers.

    Ask in a plain sentence: why it went up, when it runs out, where you can cut back. The answer comes from your own records, as a figure, a short line and a chart.

  2. 02

    It notices before you ask.

    A subscription that went up, a category speeding up, an instalment coming due: Ceres looks every night and tells you in the morning when it matters.

  3. 03

    It sees how the period ends.

    At your current pace, how far over or under budget you’ll close the period, worked out again every day. Heading over? It tells you how much to trim per day.

  4. 04

    It guides the decision.

    Which card gives you longest to pay, whether a purchase fits your period, when you’ll reach your goal.

  5. 05

    It reads the receipt and sorts it.

    Snap a receipt or upload your card statement: it reads the shop, the items and the amounts, puts each in the right category and drops the duplicates. Correct a brand once and it knows next time.

What does Ceres do?

From one period to the next, with you at every step

  1. PaydayOn Free

    Your period starts on your day

    The day your salary lands, Ceres opens a new period and logs the income for you. With irregular income the period starts on the 1st or a day you pick.

    • Starts on payday
    • Fits irregular income
    • The last period, summed up

  2. Budget planOn Free

    Fixed costs first, then free money

    Rent, bills, installments and subscriptions are set aside at the start, and your savings goal is protected up front. What’s left is spread over the period’s days.

    • Fixed costs set aside
    • Savings goal protected
    • Recalculated with every entry

  3. LoggingWith Premium

    Scan the receipt, Ceres does the rest

    Scan a receipt or upload your statement as PDF, Excel or CSV. The store, the amount and the tax are read; the items sort themselves into the right categories.

    • Receipt scanningPremium
    • Statement importPremium
    • Adding by hand is one tap

  4. Card adviceOn Free

    You know which card to pay with

    Ask before you pay: Ceres weighs your cards’ interest-free days and remaining limit, and suggests the best card for that purchase.

    • Best-card suggestion
    • Interest-free days and limit
    • Statement and due dates

  5. AnalysisOn Free

    You see where your money goes

    See at a glance how your income splits into fixed costs, everyday spending and savings. Every category shows its share and its change on the last period.

    • Category shares
    • Compared with last period
    • Speeding-up spend flagged

  6. ForecastWith Premium

    You see the end before it comes

    Ceres carries today’s spending pace to the end of the period and shows whether you’ll close under or over budget. When a risk shows up, it tells you while there’s still time.

    • End-of-period forecastPremium
    • Ceres notesPremium
    • Price-rise and spike alertsPremium

  7. Ceres AIWith Premium

    Ask, and the answer comes from your data

    “Why is my dining out so high?” Ceres AI draws the answer from your own transactions: the big number, a short explanation and where it came from.

    • Ask in plain wordsPremium
    • Answers from your own dataPremium
    • Never used to train models

  8. GoalsOn Free

    What you save walks toward a goal

    A trip, a laptop, a down payment: see when each goal will be ready. Close the period ahead and put the difference into your goals to bring them closer.

    • A timeline of goals
    • A monthly contribution plan
    • Extra money brings goals closer

  9. Period closeWith Premium

    The period closes; your report is ready

    What you spent, what you saved and your balance score come together in one report, side by side with the periods before. The next period starts on its own.

    • Period summary
    • Balance score
    • Your Wrapped storyPremium
See plans

Try it

How much can you spend today?

The sum Ceres does every morning: your fixed costs and savings goal come off your income, and what’s left is spread over the days left in the period. Try it with your own numbers.

Safe to spend today$738 days left in the periodSample household: $4,850 income · $2,250 fixed costs · $800 savings · day 22Try it with your numbers
$4,850
$2,250
$800
$1,214
Day 22 of 30

Safe to spend today

$73

8 days left in the period

  • Fixed
  • Savings
  • Spent
  • Left

Period budget$1,800

Ceres AIOn your numbersPremium

I looked at your numbers: at this pace you close the period $144 under budget. A few more things:

  • Period end+$144Spend $73 a day and you land exactly on budget.
  • $5 less a day$1,825A small cut, added up over a year.
  • Spend $35 today$79and each of the 7 days after gets this much.
  • Saved in 12 months$11,334$800 a month, plus the period’s surplus.

Ceres does this every morning with your real spending, and tells you before the budget slips.

Get the app

Calculated only on this page, in your browser — nothing is sent anywhere.

Features

All of your money, in one app

The budget is just the start: your investments, recurring payments, cards, receipts and family all run on the same period.

01Income and spending, by periodEvery paycheck and expense lands in its own period; your remaining budget, what’s safe to spend and the period-end forecast update with each entry.See the feature →
Featured
02Receipts and statementsPremiumSnap a receipt and the store, items and tax are read and sorted into categories. Upload a card statement as PDF, Excel or CSV; rows are categorized and duplicates removed.See the feature →
03Investments and goalsGold, currencies, stocks, funds and deposits on one screen, valued at daily rates. Enter your goal at today’s price; Ceres factors in inflation and tells you when you can buy it.See the feature →
04Subscriptions and recurring paymentsRent, bills, installments and subscriptions on one calendar. Ceres counts down to the next payment, catches price hikes and shows their yearly cost, and reminds you before each due date by notification or in your phone’s calendar.See the feature →
05All your cards in one placeStatement date, due date, limit and balance for every card. Before you pay, ask “Which card should I use?”: Ceres weighs each card on the interest-free days until payment and the limit left, then suggests one. The choice is yours.See the feature →
06FamilyFamily PremiumOne subscription for up to 4 people: a shared budget, shared payments and a clear view of who spends what. Everyone in the family sees everything.See the feature →
At every period’s end
07Period and year WrappedPremiumWhen a period closes, that month becomes a story, scene by scene: what you kept, where most of it went, your balance score and, as the finale, your money personality. At the end of the year all twelve come together in one.See the feature →

Receipt scan

Scan the receipt. Ceres does the rest

No more typing receipts by hand: one photo, three steps.

  1. 01 SnapFrame the receipt; store, date, line items and tax are read in seconds.
  2. 02 CheckItems arrive sorted into categories; change any line you like.
  3. 03 SwipeSwipe to save; it lands in your period and budget instantly.

Statements, just as easy

Upload your card statement; rows are categorized and duplicates removed. A PDF is deleted as soon as it’s read; Excel and CSV never leave your phone.

Analysis

See where your money flows

Where did your income go, and how much did you keep? Analysis shows a whole period, slice by slice.

August · where it went

August income$4,850

42% of your income went to fixed costs and 33% to everyday spending; 25% stayed with you.

Fixed costs3 lines$2,060

Rent33%$1,600
  • RentAug 15 · auto-pay−$1,600.00
    Card / account
    Checking account
    Payment
    Auto-pay · on the 15th

    A recurring payment; Ceres set it aside at the start of the period.

Installments5%$245
  • Phone · 4/12Sep 13−$145.83
    Card / account
    Cream card •• 6630
    Payment
    12 installments · $1,750 in total

    8 left

    The last one falls in the May period.

  • Fridge · 8/10Sep 12−$99.17
    Card / account
    Black card •• 4821
    Payment
    10 installments · $991.67 in total

    2 left

    Ends in November; $99 a month back in your budget.

Bills4%$215
  • GasAug 20−$77.60
    Card / account
    Checking account
    Payment
    Auto-pay

    12% lower than the same period last year.

  • ElectricitySep 10−$64.00
    Card / account
    Black card •• 4821
    Payment
    Auto-pay

    9% higher than last period.

  • InternetAug 26−$54.90
    Card / account
    Cream card •• 6630
    Payment
    Recurring · on the 26th

    The same amount for 12 periods.

  • + 1 more

Everyday spending4 lines$1,590

Groceries12%$584
  • Green MarketSep 12−$74.23
    Card / account
    Black card •• 4821
    Payment
    One-off

    Receipt scan

    14 items read from the receipt and sorted into categories.

  • Local marketSep 6−$41.25
    Card / account
    Cash
    Payment
    Added by hand

    Cash spending counts toward the period budget too.

  • BakerySep 3−$8.60
    Card / account
    Blue card •• 1907
    Payment
    Contactless

    9 times this period · $77.40 in total.

  • + 21 more
Other10%$472
  • ClothingSep 2−$189.90
    Card / account
    Cream card •• 6630
    Payment
    3 installments

    3 × $63.30

    The remaining installments are booked to the next two periods.

  • StationerySep 8−$64.00
    Card / account
    Blue card •• 1907
    Payment
    One-off

    Receipt · 9 items

    Back to school; last year it was September too.

  • PharmacyAug 25−$31.24
    Card / account
    Black card •• 4821
    Payment
    Contactless

    2 pharmacy purchases this period.

  • + 11 more
Transport6%$296
  • FuelAug 28−$150.00
    Card / account
    Black card •• 4821
    Payment
    One-off

    A weekday fill-up; 4 this period.

  • Transit cardSep 1−$60.00
    Card / account
    Blue card •• 1907
    Payment
    Auto top-up

    About 2 top-ups a month.

  • TaxiSep 9−$18.64
    Card / account
    Blue card •• 1907
    Payment
    In the app

    3 taxi rides this period · $51.20.

  • + 14 more
Dining5%$238
  • Dinner outAug 23−$124.00
    Card / account
    Black card •• 4821
    Payment
    One-off

    The period’s biggest restaurant bill.

  • Pizza orderAug 30−$48.60
    Card / account
    Blue card •• 1907
    Payment
    In the app

    Weekend orders are 38% of your dining spending.

  • Coffee StopSep 11−$9.50
    Card / account
    Blue card •• 1907
    Payment
    Contactless

    11 coffees this period · $104.50 in total.

  • + 9 more

Saved1 lines$1,200

Savings25%$1,200
  • Savings goalset aside at period start+$800.00
    Card / account
    Savings account
    Payment
    Set aside at period start

    100% of the goal

    Your savings goal was set aside on the first day of the period.

  • Above the goalat the close+$400.00
    Card / account
    Savings account
    Payment
    Moved at the close

    +$400

    You closed the period saving 50% more than planned.

Tap a line for its transactions, a transaction for its details.

August · where it went

August income$4,850

  1. Fixed costs42% · $2,060

      • + 1 more

  2. Everyday spending33% · $1,590

      • + 21 more
      • + 11 more
      • + 14 more
      • + 9 more

  3. Saved25% · $1,200

Hover over a transaction to see its details.

Salary$4,500

Extra income$350

Fixed costs42% · $2,060

Everyday spending33% · $1,590

Saved25% · $1,200

Rent$1,60033%

Installments$2455%

Bills$2154%

Groceries$58412%

Other$47210%

Transport$2966%

Dining$2385%

Savings$1,20025%

Savings rate24.7%of income kept
Fixed-cost share42.5%of income · rent, bills, installments
Daily average$51.29variable spending
Balance score82out of 100

Year in review · 2026 · Sample user

One year, twelve periods

January to October are closed, November is under way, and December is Ceres’ estimate. All of it in one year: what you spent, what you saved, where you drifted from the plan.

2026, period by period: income, spending and savings
  1. January: income $4,700, spent $3,474, put aside $1,226.JanJ
  2. February: income $4,650, spent $3,404, put aside $1,246.FebF
  3. March: income $4,800, spent $3,764, put aside $1,036.MarM
  4. April: income $4,750, spent $3,394, put aside $1,356.AprA
  5. May: income $4,800, spent $3,680, put aside $1,120.MayM
  6. June: income $4,900, spent $3,620, put aside $1,280.JunJ
  7. July: income $4,700, spent $4,625, put aside $75.JulJ
  8. August: income $4,850, spent $3,650, put aside $1,200.AugA
  9. September: income $4,800, spent $3,820, put aside $980.SepS
  10. October: income $4,950, spent $3,290, put aside $1,660.OctO
  11. November is in progress: $3,464 spent so far, on pace to put aside $944.NovN
  12. December, estimated: income $4,790, spending $3,890, put aside $900.DecDestimate

  1. January 2026Closed

    Put aside

    $1,226

    Income $4,700 · spent $3,474

    You started the year on plan: $426 above your goal.

  2. February 2026Closed

    Put aside

    $1,246

    Income $4,650 · spent $3,404

    A short month and a quiet period; the goal held again.

  3. March 2026Closed

    Put aside

    $1,036

    Income $4,800 · spent $3,764

    Gifts and visits pushed everyday spending up, but the goal still held.

  4. April 2026Closed

    Put aside

    $1,356

    Income $4,750 · spent $3,394

    Everyday spending settled down: $556 above your goal.

  5. May 2026Closed

    Put aside

    $1,120

    Income $4,800 · spent $3,680

    A new installment started: your fixed costs went up $146 a month.

  6. June 2026Closed

    Put aside

    $1,280

    Income $4,900 · spent $3,620

    Extra income made it a strong period: $480 above your goal.

  7. July 2026Closed

    Put aside

    $75

    Income $4,700 · spent $4,625

    Holiday month: $725 over the plan. Ceres flagged it mid-period.

  8. August 2026Closed

    Put aside

    $1,200

    Income $4,850 · spent $3,650

    Back on track: a 24.7% savings rate. The analysis above is this period.

  9. September 2026Closed

    Put aside

    $980

    Income $4,800 · spent $3,820

    Back-to-school shopping grew “Other”; the goal still held.

  10. October 2026Closed

    Put aside

    $1,660

    Income $4,950 · spent $3,290

    Your best period of the year: $1,660 put aside.

  11. November 2026In progress · day 22

    On pace to put aside

    $944

    Spent so far $3,464

    Day 22 of the period: at this pace you’ll finish $144 under the plan.

  12. December 2026Estimate

    Estimated savings

    $900

    Expected income $4,790 · spending $3,890

    Worked out from your last ten periods, plus a little for the holidays.

  13. Inside your spendingJanuary–October

    Share in fixed costs

    55%

    55% of your January–October spending was rent, bills and installments. The other $16,375 was everyday spending, led by Groceries.

  14. The planJanuary–October

    Periods on goal

    9/10

    Your savings goal held in 9 of 10 closed periods. You went over the plan only in July.

Sample user · 2026

2026, your year

Put aside by the year’s end$13,023December’s estimate included · a 22.6% savings rate
Best period
October
$1,660 put aside
Over the plan
July
$725 over
Biggest everyday spend
Groceries
$5,976 · January–October
Goal held
9/10
of closed periods

A sample user’s year; the figures are illustrative.

Put aside by the year’s end · 2026$13,023December’s estimate included · a 22.6% savings rate
  1. Jan$1,226
  2. Feb$1,246
  3. Mar$1,036
  4. Apr$1,356
  5. May$1,120
  6. Jun$1,280
  7. Jul$75over plan
  8. Aug$1,200
  9. Sep$980
  10. Oct$1,660best
  11. Nov$944running
  12. Dec$900estimate
Best period
October
Over the plan
July
Biggest everyday spend
Groceries
Goal held
9/10

Security and privacy

Your money and your data are nobody else’s business

Ceres never connects to your bank and never moves money. Your records come from what you enter, the receipts you scan and the statements you upload.

How we keep it safe

  1. No ads.

    Ceres makes its money from Premium subscriptions, not ads. No space on your screen is for sale.

  2. Your data isn’t sold.

    Your spending data isn’t used for ads or marketing, and it isn’t sold to anyone.

  3. No bank passwords.

    Ceres doesn’t connect to your bank. Entries come from you, your receipts or your statements.

  4. No card numbers.

    To add a card you pick the bank and the card type; add the last four digits if you want to tell cards apart. Ceres never asks for a card number or CVV.

  5. No empty notifications.

    A notification reminds you of a payment or tells you a budget limit is near or a period has closed; never just “open the app”. You decide how many arrive a day and when they stay quiet.

  • App lockFace ID, Touch ID or a 6-digit PIN. Biometric data never reaches Ceres.
  • Two-step verificationAn SMS code on a new device. See your open sessions and sign the others out in one tap.
  • Encrypted connectionsEvery connection is encrypted with TLS; access rules let each person reach only their own data.
  • Your data, your callDownload all your records or delete your account — you have 30 days to change your mind.

Pricing

Start free, go Premium when you want more

Free covers your periods, budget, recurring payments, cards and goals, for as long as you like. Premium adds Ceres AI, the period-end forecast, receipt scanning, statement import and the full Wrapped.

Same screen, two plans

Free shows where your money went. Premium also tells you how the period will close and what to do about it.

Free has the charts, the breakdown and the period summary.Premium opens 3 more cards on the same screen.

  • Period-end forecastCourse-correct before the period is out.Locked preview on Free
  • Ceres noteTells you where to cut back, and why.Locked preview on Free
  • Your August Wrapped is readyYour period as a story you can share.Locked preview on Free
Get PremiumPriced for your country, in the store
FreePremium

Pick a plan or drag the line

  • Periods, safe-to-spendFree: includedPremium: includedFamily: included
  • Recurring paymentsFree: includedPremium: includedFamily: included
  • Cards, investments, goalsFree: includedPremium: includedFamily: included
  • Analysis, period summaryFree: includedPremium: includedFamily: included
  • Ceres AI and notesFree: not includedPremium: includedFamily: included
  • Period-end forecastFree: not includedPremium: includedFamily: included
  • Receipt scanningFree: not includedPremium: includedFamily: included
  • Statement import (PDF, Excel, CSV)Free: not includedPremium: includedFamily: included
  • Full period close, WrappedFree: not includedPremium: includedFamily: included
  • Up to 4 peopleFree: not includedPremium: not includedFamily: included
  • Shared budget, leaderboardFree: not includedPremium: not includedFamily: included
Get Premium

Yearly plan: 2 months free

Free

1 person

Set your budget and track your period.

$0/mo

  • Periods, budget and safe-to-spend
  • Recurring payments, price-hike tracking, reminders
  • Cards, investments and goals
  • Basic analysis and period summary
Start free
Recommended

Premium

1 person

See all of your money, and where the period is heading.

Local pricingPriced for your country, in your currency, on the App Store and Google PlayYearly plan: 2 months free

  • Everything in Free
  • Ceres AI: Ask Ceres and Ceres notes
  • Period-end forecast and insight cards
  • Receipt scanning and statement import (PDF, Excel, CSV)
  • The full period close and Wrapped
Get Premium

Family Premium

4 people

Your family’s budget in one place.

Local pricingUp to 4 people, one subscriptionYearly plan: 2 months free

  • Everything in Premium, for up to 4 people
  • Shared budget and shared goals
  • Who spends what, per member
  • Family leaderboard: a champion every period
  • Invited members pay nothing extra
Get Family Premium
  • Billed through the App Store or Google Play
  • Cancel anytime

Prices are shown in your local currency on the App Store and Google Play. Purchases and cancellations go through your store account.

FAQ

Questions, answered

What people most often ask before they start with Ceres.

What exactly does Ceres do?

It helps you run your money period by period. As you log spending, it shows what you’ve spent this period, what’s left and how much you can spend today. It also keeps your cards, recurring payments and goals in one place, reads your receipts and statements, and you can ask Ceres AI whatever’s on your mind.

Do I need to connect my bank account?

No. Ceres doesn’t connect to your bank and never asks for your bank password or card number. Log spending in a few taps, snap a photo of the receipt, or upload your card statement as a PDF, Excel or CSV file. Set up rent, bills and subscriptions once and they’re logged every period.

Explore the feature
I don’t have a regular salary. Is Ceres still for me?

Yes. Pick “Irregular income” during setup and Ceres never adds income for you; you log it as it comes in. You can set a spending limit per period and that limit becomes your budget. If you freelance, study, or live on an allowance or a scholarship, this mode is made for you.

Explore the feature
How does it work out what I can spend today?

Your savings goal and fixed costs (rent, bills, installments, subscriptions) come off your period income first; what’s left is your spendable budget. What you spend comes off that budget, and the rest is split over the days left in the period. It’s recalculated with every entry, so spending less today gives tomorrow more room.

Explore the feature
Why a “period” instead of a calendar month?

Because your budget should start when your money arrives. With a salary, your period starts on payday and lasts until the next one, so “left” really is what you have. It doesn’t shift if a weekend moves your pay earlier. Without a salary, you pick the start day yourself.

Explore the feature
Will it warn me before I go over budget?

Yes. Set separate limits for categories like groceries or dining, and you’ll get a heads-up as you approach one. The home screen shows how much you can spend each day; with Premium you also see whether the period will close under or over budget at your current pace.

Explore the feature
Can it help me decide which card to pay with?

That’s what “Which card should I use?” is for. Pick where you’re spending and, if you like, how much; Ceres compares the cards in your wallet on the interest-free days until you’d pay and the limit left after the purchase, and suggests one. It’s on every plan.

Explore the feature
Can I add spending from receipts and statements?

Yes. Snap a receipt and Ceres reads the store, date, items and tax, and sorts the items into categories; you check them and swipe to save. Upload a card statement as a PDF, Excel or CSV file and its rows are categorized, with duplicates removed. A PDF is deleted as soon as it’s read; Excel and CSV files are read on your phone and never uploaded. Receipt scanning and statement import are part of Premium.

Explore the feature
Can I keep track of card debt, installments and subscriptions?

Yes. Each card’s statement date, due date and used limit are shown separately; for installments you see what’s left to pay and the last payment. Subscriptions are logged every period; when one gets more expensive Ceres catches it and reminds you before it’s due.

Explore the feature
Can I use it with my family?

Yes. With Family Premium up to 4 people share one budget, and invited members don’t pay extra. Everyone logs their own spending and it all comes together in the shared budget, along with shared goals and shared payments.

Explore the feature
What can I ask Ceres AI?

Questions like “How much did I spend on groceries this period?”, “Will my budget last until the end of the period?” or “Why is my dining spending up?” Ceres AI answers from your own records with a number, a short explanation and a chart; it doesn’t give general investment advice. It’s part of Premium and Family Premium.

Explore the feature
Is my data safe?

Your data is stored on servers in the European Union (Ireland), and every connection is encrypted. We show no ads and never sell your data. You can delete your account in the app: 30 days after the request your account and all your records are permanently deleted, and you can change your mind until then.