Ask your money
anything.
DuoCents reads your bank emails, forecasts where you're heading, and tells you whether that purchase is actually a good idea — before you make it.
Intelligence, in the
moments that matter.
Four AI features that work together — so you always know where you stand, and what to do next.
"Can I afford a new laptop
for $1,200 right now?"
You'd still hit your Emergency Fund target by August. Consider splitting over 12 months at $100/mo to keep your savings rate above 50%.
Your dining spend is 34% above your 3-month average. Meal-prep two evenings this week and you'll reclaim ~$180 by month-end.
- Reduce restaurant visits to 3×/wk+$130
- Move $200 to savings before month-end+$50
John Doe's Freelance income is trending +18% MoM. Consider raising the High-Yield Savings auto-transfer from $400 to $500.
From inbox to insight
in five minutes.
No bank credentials. No plugins. No paid integrations. Just one rule in your email client — and your finances run themselves.
your bank email.
Set up a one-time auto-forward rule in your email client. DuoCents receives the notification and extracts the transaction instantly.
categorizes, learns.
Every transaction is parsed, matched to your categories, and stored. The more you use it, the smarter the categorization gets.
you spend.
Check your forecast. Ask if you can afford something. See budget warnings before they become problems. Your finance advisor — one tap away.
Everything else
already built.
Built for real households with real banks. No passwords. No credentials. No compromises.
Email-based sync
No bank credentials. No plugins. No paid integrations. Auto-forward your bank alerts and every transaction appears in seconds — already categorized.
Shared dashboard
Both partners see the same live view — no more guessing who paid what, or where the joint balance stands today.
Budget tracking
Monthly allocations per category with live progress and overage alerts.
Installments & loans
Full amortization schedules for shared debts — Sofa, MacBook, anything you split.
Savings goals
Auto-allocate to goals each cycle. Track progress per goal, per partner.
Multi-currency
EUR-pivot conversion across all your accounts. Live FX rates baked into transfers.
Receipt mode
Log line-item purchases with a built-in calculator. Split between accounts in one tap.
Your bank password
stays in your bank.
Most finance apps ask for your online-banking login. We don't. DuoCents reads the notification emails your bank already sends you — nothing more.
Your money stays untouchable by design. We only ever hold spending categories and forecasts — never balances anyone could move, never a single credential to your bank.
Your next financial
decision starts here.
Free to start. No credit card. Five minutes from forwarding your first email to your first AI recommendation.