Personal and family budget
Ceres runs your budget on your payday, not the calendar. What you spent, what’s left, how the period will close: all at a glance.
First full period free · No card required
Why Ceres
Ceres follows your money from payday to payday. It sets your fixed costs aside first, splits what’s left across the days and shows today how the period will close. Your spending stops being a list and becomes a plan.
What Ceres does
From budgets to offers, receipts to investments: what Ceres does for you. Hover over one to see how it looks.From budgets to offers, receipts to investments: what Ceres does for you. Swipe to see how each one looks in the app.
How it works
If the 1st of the month means nothing to you, Ceres won’t wait for it. Every period starts the day your salary lands and runs to the next payday.
01Payday
Pick your payday once. Even if a weekend moves the salary earlier, the period doesn’t shift; it’s named after the month it starts in.
02Plan
Rent, fees, bills, installments and subscriptions come off as locked items; your savings goal is set aside. What’s left is what you can really spend.
03Every day
The budget left is split over the days left. Stay under it and your savings goal is safe; go over and tomorrow’s share adjusts on its own.
04Pace
Ceres stretches today’s pace to the end of the period: when spending runs ahead of time, it tells you while there’s still time to act.
05Close
On the last day the period closes itself: totals, savings, category budgets and your balance score in one story. Every three periods, a quarterly recap too.
The app
Features
The budget is just the start. Your investments, recurring payments, cards, offers and family live in the same period.
Offers
Bank and brand offers are scattered across apps, text messages and shop windows. Ceres gathers them in one place every day, matches them to your cards and puts the one that earns you the most on top.
Bank and brand offers are refreshed daily: the reward, the card it needs, the conditions and the last day to join.
The ones that fit the cards in your wallet are set apart; “Ceres picks” are the best earners based on your spending.
What you earn on an offer you joined, and its cap, is tracked; if you like, you hear when a new offer fits your cards.
Ceres picks· based on your spending
No offers on this card in the selected category.
Brands, cards and amounts are examples.
Receipt scan
Store, date, line items and VAT are read from one photo. Items are sorted into categories on their own; fix any line, then swipe to save.
Statements, just as easy
Upload your card statement; rows are categorised and duplicates removed. The file is deleted once it’s read.
Analysis
How was your income split, and how much stayed with you? The money flow shows a whole period in a single picture.
August · where it went
Ask Ceres
The answer isn’t generic advice, it’s your own data: why it went up, when it ends, where you can save.
Why is my dining spend so high?
You spent $198.50 on dining this period, 19% more than last. $31 of the difference comes from three orders on the weekend of 13–14 September.
You spent $436.80 on groceries in the September period, over 14 trips. That’s 6% less than last period; 41% of it was at Green Market.
Your five subscriptions cost $70 a month, $840 a year. Music went from $7.90 to $9.90 this month; that’s $24 more a year. Video renews in 3 days; if you want to drop it, I’ll remind you before it renews.
13 payments in 30 days, $2,250 in total. The nearest is Video in 3 days ($24.90); rent is on 15 October. Installments are 11% of it.
You have two open installments, $245 this month. The fridge ends in November, so from December your monthly load drops to $160. The phone’s last payment is in May 2027.
Black card gives 8% back on fuel; on a $150 fill-up you get $12 back. Blue card stops at $3 with 2%. $15.40 of this month’s cashback cap is still open.
Yes. At this pace you close the period $144 ahead. Stay under $73.24 a day for the 8 days left and your savings goal is safe too.
Saving $2,200 a month, your 30% down payment ($42,000) is ready in January 2028. Raise it to $3,000 and that moves to September 2027.
Period close
On the last day: your totals, savings, category budgets and balance score in one story. Then a new period, a new ring.
Wrapped
Your report card at the end of every period, your Wrapped at the end of every quarter and year: where most of it went, your longest streak, what offers earned you. Hide the amounts and share in one tap.
August period closed1 / 6
August started calm; weekends picked up.
The daily average of your first 12 days was the lowest in six periods. You closed the period in the plus.
Quarter 3 · 20261 / 6
June, July, August.
Three periods, 214 entries, 19 no-spend days. How your summer went, in order.
2026 · Year in review1 / 6
Twelve periods, one story.
842 entries, 61 no-spend days and 4 installments paid off. How your year went, in order.
The share sheet opens in the app
Principles
Ceres doesn’t make money from ads; your subscription keeps it running. No space on your screen is for sale.
Your spending data isn’t used for ads or marketing, and it isn’t sold to anyone.
Ceres doesn’t connect to your bank. Entries come from you, your receipts or your statements.
A notification either reminds you of something or tells you right on time. Never just “open the app”.
Pricing
Cashback, paying with the right card, new offers that fit your cards: what Premium finds in a single period is often more than it costs. Your first full period is free, no card required.
What Premium found in one period
Sample user · September period
A sample scenario. Earnings depend on your cards, your spending and the offers you join.
Drag the line: what’s in Free, and what Premium unlocks.
Set your budget, follow your period.
Freealways
See all of your money, never miss an offer.
First period freeThen priced for your country, in your currency, on the App Store and Google PlayYearly plan: 2 months free
Your family’s budget in one place.
First period freeUp to 4 people, one subscriptionYearly plan: 2 months free
| Free | Premium | Family Premium | |
|---|---|---|---|
| Periods and budget | |||
| Income and spending entry | |||
| Periods, budget and safe-to-spend | |||
| Recurring payments, installments, price hikes | |||
| Payment reminders and calendar | |||
| Streaks, badges and quests | |||
| Cards and assets | |||
| Cards, accounts and statement calendar | |||
| Investments and goals | |||
| Debts and loans ledger | |||
| Analysis and Ceres AI | |||
| Basic analysis and period summary | |||
| Ceres notes and period-end forecast | — | ||
| Ask Ceres | — | ||
| Full period close and Wrapped | — | ||
| Quick entry and offers | |||
| Receipt scan | — | ||
| Statement, Excel and CSV import | — | ||
| Offers for your cards, best card | — | ||
| Family | |||
| Shared budget and shared goals | — | — | |
| Who spends what, shared payments | — | — | |
| People | 1 | 1 | 4 |
Prices are shown in your local currency on the App Store and Google Play. Purchases and cancellations go through your store account.
FAQ
Your savings goal and fixed costs (rent, fees, bills, installments, subscriptions) come off your period income first; what’s left is your spendable budget. It is split over the days left, and how the period will close at today’s pace is recalculated every day.
Money arrives on payday, not on the 1st. When the period starts that day and runs to the next payday, “left” and “safe to spend daily” show the money you really have. Even if a weekend moves the salary earlier, the period doesn’t shift.
No — Ceres doesn’t connect to your bank and never asks for your bank password. Add spending by hand in a few taps, by photographing a receipt, or by uploading your card statement as PDF, Excel or CSV. Rent, bills and subscriptions are set up once and logged every period on their own.
Yes. Recurring payments are logged every period; for installments you see what’s left to pay and the last payment date. When a subscription gets more expensive, Ceres tells you along with what it adds up to in a year, and reminds you before payday by notification or, if you like, in your phone’s calendar.
Ceres gathers bank and brand offers every day: the reward, the card it needs, the conditions and the last day to join. The ones that match the cards in your wallet are set apart, and the best earners for your spending sit on top. For offers you join, the earnings and cap are tracked. Offers for your cards are part of Premium.
At the end of every period you get a report card, and at the end of every quarter and year a Wrapped: where most of your money went, your longest streak, your savings and what offers earned you. Before sharing, “Hide amounts” hides every amount. The full close and Wrapped are part of Premium.
Ceres AI is a personal finance assistant that answers questions about your spending from your own records: why it went up, when it ends, where you can save. Only the summary data relevant to your question is used. Ask Ceres is included in Premium and Family Premium.
You use Premium or Family Premium free for your first full period. No card is required and nothing is charged when it ends; if you want to continue, you pick a plan. The Free plan is always free: manual entry, budgets, recurring payments and basic analysis included.
Family Premium covers up to 4 people with one subscription. Whoever creates the family is its admin; everyone in it sees the shared budget, spending and shared payments. Invited members pay nothing extra.
Your data is stored on servers in Europe over encrypted connections; there are no ads and your data isn’t sold. You can delete your account in the app: 30 days after the request your account and all records are permanently erased, and you can change your mind until then.