- Starting price
- Free; Fruitful $7/month or $70/year
- Free tier
- Yes
- Platforms
- Web · mobile browser · Stripe Financial Connections
- Developer
- Lattice Forge LLC / Tee
- Launched
- 2026
- Updated
- Aug 9, 2026
The verdict
Kingdom Cents is one of the better-documented young Christian finance apps we have encountered. The free plan is genuinely substantial, bank access is read-only through Stripe, exports and deletion are promised, AI use is narrow and explained, and the founder publishes both a personal rationale and a public commitment to give 10% of subscription revenue to YouVersion. The caution is age, not obvious bad faith: the service launched in 2026, handles an unusually revealing combination of transactions, giving, prayer, and spiritual reflections, and has not published an independent security audit, audited revenue ledger, uptime history, or broad user evidence. Start manually or with a low-stakes account, export regularly, reconcile against your bank and gift receipts, and involve qualified tax, debt, investment, legal, or pastoral help when the decision exceeds a budgeting dashboard.
Try Kingdom Cents ↗Opens kingdomcents.com
Kingdom Cents is a faith-based personal budgeting and stewardship application built around one structural choice: giving is calculated before the rest of the budget is assigned. A user chooses a percentage, records or syncs income, and sees the planned tithe or offering set aside first. Remaining money can then be organized across twenty-seven categories and more than two hundred subcategories, including custom categories. This differs from a generic budget where charitable giving is merely another expense placed wherever the user remembers to add it.
The application extends that idea into a fairly broad personal-finance system. It includes manual transactions, optional read-only bank connections, automatic category suggestions, snowball and avalanche debt plans, goals, long-range projections, one-month cash-flow and category views, annual giving statements on the paid plan, and a visual Garden where goals and milestones become plants and stones. Spiritual and community features include devotionals, giving reflections, prayer requests, praise reports, testimonies, and prayer circles limited to twelve members.
Founder Tee describes growing up in poverty, working three jobs through college, entering a career at Bloomberg, becoming a Christian, and eventually connecting financial skill with a perceived calling to help believers steward money. Kingdom Cents is operated by Lattice Forge LLC in California. The service is for adults eighteen and older and is intended for users in the United States. The founder says the core giving, prayer, and faithfulness tools will remain free and that ten percent of every paid Fruitful dollar will go to YouVersion; a public ledger is designed to post monthly transfers and receipts.
The privacy and security documentation is unusually specific for a young niche product. Kingdom Cents names Supabase, Stripe, Stripe Financial Connections, Anthropic, Resend, Sentry, Cloudflare, and Google; describes what each receives; says bank access is read-only; promises export in CSV and JSON; and offers account deletion with a thirty-day primary-data timeline. Those are operator claims rather than an independent audit. We researched the live application marketing, full plan comparison, founder story, security page, privacy policy, terms, public giving ledger, and third-party descriptions. We did not create an account, connect a bank, upload a statement, purchase Fruitful, test deletion, inspect source code, perform penetration testing, verify transfers, or receive financial advice.
✓ The good
- Substantial permanent free plan - budgeting, giving, two bank connections, debt tools, goals, projections, community, and manual transactions are not trial bait
- Giving-first design is genuinely structural - income can trigger the selected percentage before remaining dollars are assigned
- Read-only bank connections - Stripe Financial Connections retrieves balances and transactions without allowing Kingdom Cents to move money
- Detailed privacy disclosures - sensitive financial, religious, reflection, document, AI, vendor, retention, export, and deletion practices are addressed directly
- Useful debt options - both snowball and avalanche approaches are available rather than presenting one method as the only faithful choice
- User-controlled categories - a large built-in taxonomy and custom categories can fit households better than a rigid spiritual budget template
- Transparent paid-plan purpose - the exact $7 and $70 prices, added features, cancellation, and revenue-giving commitment are visible before signup
- Manual path remains available - users can gain value without immediately linking a bank or uploading a statement
✗ Watch out
- Very young service - 2026 operating history is too short to establish durability, support quality, incident handling, or long-term bank-sync reliability
- Exceptionally sensitive profile - transactions, giving, beliefs, prayer, goals, debts, and emotional reflections can reveal far more together than ordinary budget data
- Security claims are self-attested - no public SOC 2 report, independent penetration-test summary, vulnerability policy, audit firm, or breach-history statement was found
- Bank sync still adds vendors and failure modes - read-only access reduces transfer risk but not privacy, availability, duplication, delay, or misclassification risk
- Community requires careful boundaries - financial prayer requests and testimonies can expose hardship, identity, church relationships, and vulnerability to other users
- AI suggestions can be wrong - merchant text may be ambiguous, and every category still needs review before it affects a budget or report
- United States and adult scope - minors and people relying on other tax, banking, privacy, or consumer regimes are outside the stated design
- Tithe framing may not match every household or church - the percentage is customizable, but the product’s language strongly centers a ten-percent first-fruits model
Best for
- United States adults who want giving visibly placed before discretionary spending
- Households seeking a strong free budget with optional automatic bank imports
- People combining a debt-payoff plan, savings goals, giving records, and simple projections
- Users comfortable reviewing every imported transaction and maintaining independent records
- Christians who value prayer and reflection alongside numbers and can set healthy sharing boundaries
Avoid if
- Your employer, ministry, fiduciary, or household requires audited enterprise controls or a long operating history
- You do not want financial transactions and religious practices stored in the same cloud account
- You need investment, tax, legal, accounting, credit, or debt-counseling advice rather than organization tools
- You live outside the United States or are under eighteen
- Your giving theology, household obligations, or pastoral counsel does not fit a tithe-first budgeting structure
What Kingdom Cents is
Kingdom Cents is an organizational tool, not a bank or payment account. It records information entered manually, imports transaction and balance data through optional read-only connections, calculates giving targets, groups spending, projects scenarios, and returns summaries to the user. It cannot transfer money, make a tithe payment, verify that a charity is eligible, reconcile a church receipt automatically in every case, or decide what a household can afford.
The spiritual layer is more than decorative Bible verses. Giving reflections, devotionals, prayer circles, testimonies, and the visual Garden are intended to connect money habits with worship, community, gratitude, and remembered milestones. That may be motivating, but it also makes the stored profile sensitive and can turn a neutral arithmetic result into a perceived spiritual verdict. Numbers should inform prayer and wise counsel, not measure a person’s worth or God’s favor.
Why giving-first households choose it: the budget begins before spending
Most budgeting apps can represent donations if the user creates a category. Kingdom Cents instead calculates the chosen first-fruits percentage when income arrives and puts giving at the top of the flow. The user can log gifts by church, ministry, or cause and review progress over time. For someone whose present problem is not generosity of intention but inconsistency of execution, that architecture can be meaningfully different.
Architecture should not become coercion. Income may be irregular, a spouse may not share the same practice, a household may face food, housing, medical, legal, or safety crises, and churches differ in how they teach Old Testament tithes and New Testament generosity. The percentage can be changed, which is essential. Use the app to implement a prayerfully chosen plan, not to outsource conscience, pastoral discernment, family agreement, or care for immediate obligations.
Tithe tracker and giving record: clear math, careful interpretation
A user sets a percentage, can choose how to think about gross or take-home income, and records gifts to churches, ministries, or causes. The public calculator shows weekly, monthly, and annual equivalents. Giving reflections can attach an emotional or spiritual note, and the paid plan adds a formatted annual statement. The app also supports tracking volunteer time as a giving mode.
Reconcile the ledger with actual bank transactions and recipient acknowledgments. A personal record is not automatically a tax receipt, and the app does not determine deductibility, donor restrictions, fair value, or local reporting requirements. Protect reflection text especially carefully: an amount plus recipient plus emotion or prayer may reveal religious belief, health, family conflict, or financial distress.
Bank sync, imports, and categorization: convenience without control of funds
Stripe Financial Connections handles optional bank authentication and gives the application read-only access to selected transaction history and balances. Kingdom Cents says it never receives bank passwords or full account numbers and that users can disconnect immediately. PDF statements can also be processed to extract transactions; the raw document is said to be deleted after processing. Merchant descriptions may be sent without names or amounts to Anthropic for category suggestions.
Read-only is an important limit, but imported data can still be late, duplicated, incomplete, renamed, or categorized incorrectly. Compare opening and closing balances, inspect transfers and refunds, and confirm every AI suggestion. Users who prefer lower exposure can remain manual. Before uploading a joint or business statement, ensure every account holder has authorized processing and that the personal-use terms fit the data.
Debt, goals, projections, and community: motivation needs boundaries
Debt plans support both snowball and avalanche ordering. Goals can represent an emergency fund, home, mission trip, or another priority and appear as growing plants, with milestone stones preserving progress. Projections show where current choices could lead over one to forty years. Prayer circles, requests, praise reports, and testimonies connect that private work to a limited community.
Projections are illustrations based on assumptions, not forecasts or investment advice. Debt payoff may require a nonprofit credit counselor, attorney, lender hardship program, tax professional, or safety plan. Share community posts as though another member could screenshot them: omit account balances, institutions, addresses, employer details, abuse disclosures, minors, and anything that could enable pressure or fraud. A circle can encourage; it is not confidential professional care.
Pricing
Faithful
Always free
Includes two read-only bank connections synced weekly, first-fruits budgeting, unlimited manual transactions, giving and offering tracking, prayer circles, devotionals, reflections, debt plans, goals, one-to-forty-year projections, the Garden, and a one-month stewardship snapshot. No card or expiration is advertised.
Fruitful monthly
$7/month
Adds unlimited bank connections, Stewardship Insights, and an annual giving statement. Billing runs through Stripe and may be canceled from account settings; cancellation takes effect at the end of the paid period and partial-period refunds are not promised.
Fruitful annual
$70/year
Provides the same paid features for the equivalent of about $5.83 per month, saving $14 versus twelve monthly payments. Confirm current pricing and renewal notices at checkout.
Revenue tithe
10% of Fruitful revenue
Kingdom Cents pledges ten percent of paid-plan revenue to YouVersion and says monthly transfers and receipts will be posted publicly. This is the operator’s giving commitment, not a discount, tax deduction, or guarantee about how a subscriber’s fee is treated.
The Faithful plan is unusually generous. A user can build a complete manual budget, connect two institutions for weekly read-only sync, plan debt, set goals, calculate giving, use projections, and participate in spiritual features without a trial clock or payment card.
Fruitful is primarily a convenience and reporting upgrade. Unlimited connected institutions matter for complex households, Stewardship Insights support scenario exploration, and the annual giving statement can reduce record-gathering work. They do not change the app into a bank, adviser, accountant, or tax preparer.
Monthly billing is safer while the service is young; annual billing saves two months at the published prices. Test imports, exports, categorization, support, cancellation, and the exact paid insights before committing for a year.
The ten-percent YouVersion commitment is notable and publicly framed. Evaluate Kingdom Cents on whether its own product safely serves your household; do not subscribe solely because of a future transfer promise, and inspect the ledger as operating history accumulates.
Where Kingdom Cents falls behind
Commission an independent security assessment and publish scope, date, methodology, material findings, remediation status, and a clear vulnerability-disclosure policy.
Add multi-factor authentication for users, session and device management, login alerts, passkeys, recovery controls, and a first-party security status page.
Publish reliability evidence for every institution connection: refresh timing, duplicate handling, pending transactions, outages, corrections, support escalation, and reconciliation guidance.
Separate financial records, private spiritual reflections, and community posts with explicit consent boundaries, granular export and deletion, audience previews, blocking, reporting, and moderator accountability.
Have the public giving ledger show gross eligible revenue, exclusions, calculation, transfer date, receipt, corrections, and cumulative total without overstating an informal partnership with YouVersion.
Add independent consumer education on budgeting, debt, generosity, taxes, crisis finances, and professional referrals, with multiple faithful practices represented without pressure.
Publish accessibility results for keyboard navigation, screen readers, contrast, charts, forms, focus, error recovery, reduced motion, and export formats.
Release a transparent company, support, continuity, backup, insurance, incident, law-enforcement-request, and shutdown plan before seeking broad financial-data adoption.
Kingdom Cents vs. EveryDollar vs. YNAB
Kingdom Cents is the only one of the three designed around tithe-first calculation, spiritual reflections, prayer circles, testimonies, and a free plan with limited automatic bank sync. EveryDollar emphasizes Ramsey’s zero-based budgeting and debt method with a large coaching ecosystem. YNAB is a mature general budgeting platform focused on assigning available money, planning for true expenses, and building flexible habits across many household types.
Choose Kingdom Cents when the explicit giving structure and spiritual layer are central and a young service’s risks are acceptable. Choose EveryDollar when a household wants the wider Ramsey curriculum and support system. Choose YNAB when budgeting maturity, documentation, platform breadth, and a religion-neutral method matter more. A spreadsheet or bank subaccount remains a strong low-data alternative for a simple giving-first routine.
The bottom line
Kingdom Cents begins with a specific conviction and follows it all the way through the product instead of attaching a devotional to an ordinary budget. The Faithful plan can serve many households indefinitely, the paid tier is plainly priced, and the public policies are far better than the vague promises common among small faith apps. Its founder has done much of the hard trust-writing early: named vendors, sensitive-data categories, limited AI uses, read-only connectivity, exports, deletion, and shutdown notice are all addressed. The missing evidence is operational. A months-old company has not yet demonstrated years of secure custody, accurate imports, responsive support, clean deletion, transparent revenue giving, or survival through incidents and vendor changes. That makes a gradual start the right one. Build the budget manually, connect only what produces clear value, export monthly, reconcile gifts and balances, keep emergency and tax records elsewhere, and turn off community sharing for anything that could expose hardship. Kingdom Cents can be a meaningful stewardship aid. It should never become a spiritual credit score, an adviser, or the only record of a household’s financial life.
Alternatives to Kingdom Cents
Frequently asked questions
Is Kingdom Cents free?
Yes. The Faithful plan is advertised as permanently free with no card or expiration. It includes two weekly synced bank connections, manual budgeting, giving, debt plans, goals, projections, prayer circles, devotionals, reflections, and a one-month snapshot.
How much is Kingdom Cents Fruitful?
The published price is $7 per month or $70 per year in US dollars. It adds unlimited bank connections, Stewardship Insights, and an annual giving statement.
Can Kingdom Cents move money from my bank?
The service says no. Optional connections use Stripe Financial Connections with read-only access to selected balances and transaction history. Kingdom Cents says it never receives your bank password and cannot initiate transfers.
Does Kingdom Cents require a ten-percent tithe?
Ten percent is the product’s traditional default and central teaching, but the calculator supports a user-selected percentage and gross or take-home framing. Choose a plan with your household and trusted spiritual counsel rather than treating software as the authority.
Does Kingdom Cents provide financial advice?
No. Its terms explicitly say it is not a bank, investment adviser, broker, tax professional, accountant, credit counselor, or fiduciary. Projections and AI categories are organizational outputs that require review.
What happens to my data if I leave?
The site promises CSV and JSON exports, immediate bank disconnection, and primary-data deletion within thirty days after account deletion, with encrypted backups potentially retained for up to ninety days and legal exceptions described in the privacy policy.
Who operates Kingdom Cents?
The terms identify Lattice Forge LLC in California. The founder is publicly introduced as Tee, whose background includes poverty, working through college, a career at Bloomberg, and a later Christian calling toward personal-finance stewardship.
Sources & further reading
More Budgeting & Stewardship Apps
Monarch MoneyThe strongest general-purpose money tracker in this category and the one with no method attached - it shows you everything you own and owe, brokerages included, and declines to tell you what to do about it. No free tier at any price, and not a Christian product.
MoochMooch turns the tools, books, baby gear, kitchen equipment, games, and other possessions already inside a trusted friend network into a private lend-and-borrow inventory—but weak Android ratings, unsupported marketing statistics, and implausibly thin “no data collected” disclosures limit confidence.
YNABA zero-based budgeting method with software attached, sold at $14.99 a month or $109 a year with no free tier of any kind - and the most expensive way to discover you were never going to do the weekly work.
AdelFiAdelFi is a member-owned Christian credit union, not a budgeting app, and its most important fact contradicts its own app listing: the credit union tells members "By members' choice, this institution is not federally insured," while the App Store description ends "Federally insured by NCUA" - two statements that cannot both be true.
EveryDollarRamsey Solutions' zero-based budgeting app, relaunched in January 2026, with a genuinely usable free tier and every piece of automation behind a paywall - and it only makes sense if you have already decided to work the Baby Steps in order.
GoodbudgetDigital cash envelopes from Dayspring Technologies, with the only permanently free tier among the serious budgeting apps and a paid tier that quietly added the bank syncing Goodbudget was once famous for refusing - the free plan is still manual entry, but that is now a price point rather than a principle.