Faith-Based Personal Finance

The Tithe Was Never Supposed to Be the Hard Part.

Money that reflects your faith first, your balance second.

Start Setting It Right

The essentials are free, and we'll keep them that way. See the math or read the FAQ.

Read-only bank access via Stripe
AES-256 · TLS 1.3
10% tithe to YouVersion
No ads. Never sold.

My Story

Bloomberg taught me finance. God showed me what to do with it.

"A fruit tree does not bear fruit for itself. It bears fruit so that somebody else can come along and be fed by it."

Tee, founder of Kingdom Cents

San Diego, CA

I grew up in poverty. Taught myself English, then taught myself money the way most of us have to: on my own, from whatever I could find.

I ended up at Bloomberg, making more money than I had ever seen. I knew I had to learn how to manage it because debt scared me.

Then I found God, and everything I thought I had built my life on became a question.

When I asked God what I was supposed to do with what I knew, he kept showing me the same thing: every tool out there treats the tithe as a budget line. Not one starts there.

Kingdom Cents does. If you are still learning what faithful stewardship looks like, so am I. I built this for us.

This began long before the app did.

Read The Full Story

Ready to start?

Start setting it right. It is free.

What Kingdom Cents Does

Track your tithe and giving
See exactly what you gave, to whom, and when. Organized by church, ministry, or cause.
Budget every category
Connect up to 2 bank accounts securely and set monthly limits for every area of spending.
Set goals and pray over them
Save toward what matters: debt payoff, a mission trip, an emergency fund. Bring trusted believers into the walk with you.

Where Believers Do Finance Together

Don't Do This Alone.

Here is what that looks like, for you and with others.

Giving

Your First Fruits, Not an Afterthought

Set your tithe percentage once. Every time income comes in, your giving is calculated first.

Prayer

Pray Together for What God Knows You Need

Share what you are believing God for in your finances. Join a circle of 12, the same number Jesus chose, where faith is personal, intimate, and real.

Growth

Goals Become Plants. Milestones Become Stones.

Goals become plants. Milestones become stones of remembrance. Your garden is a living record of what God grew through your obedience.

Testimony

When God Moves in Your Finances or Season

We created a place for you to share it. Someone out there needs to hear exactly what He did for you and be encouraged by it.

Tithe Calculator

What Does Faithful Look Like
For You?

Enter your income and see what faithful giving looks like for you.

$500
$0$25,000
10%
1%10% traditional30%
Your Monthly Tithe
$50
$13 per week · $600 per year

No card required.

1 testimony and counting

God is still answering prayers.

Every testimony below is real. Written by faithful people stewarding their finances and watching God move.

Praise Report

God is Good

All of the time

A Faithful Member · 2 months ago1 rejoice

Add your testimony

Join Kingdom Cents for free →

"They overcame him by the blood of the Lamb and by the word of their testimony." - Rev 12:11

My Commitment

Honoring God with What You Have Should Never Cost Money.

Every feature built around giving, prayer, and faithfulness is free. No trial. No card. No expiration.

Faithful Plan

Always Free

Tithing tracker with first-fruits setup
Budget buckets with 20+ categories
Goals with progress tracking
5-year financial projections
Garden growth milestones
Daily scripture devotionals
Prayer circles (up to 12 members)
2 bank connections (read-only, via Stripe. We never touch your money)

When you add a transaction, it gets sorted into the right budget bucket for you. The AI that does this reads only the store name, like “WHOLE FOODS”, never your balances, amounts, or giving. You approve every suggestion, and your data is never used to train it. See our Privacy Policy.

Start Setting It Right

No card required.

Want more?

Fruitful · $7/mo or $70/yr (2 months free)

Everything in Faithful, plus:

Unlimited bank connections
Every account. One view. Always current.
10 to 40 year projections
See exactly where your faithfulness compounds.
Stewardship Insights
What if you shifted $50 a month? Now you know.
Annual giving statement
Every gift, beautifully formatted for tax season.

We tithe 10% of every Fruitful dollar to YouVersion, the same first-fruits principle the app is built on. The rest funds the infrastructure behind these tools so the core stays free for everyone.

Your projections and Stewardship Insights are plain math on your own numbers, amounts included, not AI. The AI that handles your transactions only sorts them into buckets, and reads just the store name. See our Privacy Policy.

Get Fruitful

All prices in US dollars (USD). Cancel anytime. See our Terms, Privacy Policy, and Contact.

Questions

Faith-Based Budgeting, Answered.

Is Kingdom Cents a faith-based budgeting app?

Kingdom Cents is a faith-based budgeting app built for Christians who want their giving to come first. Unlike general budgeting apps where the tithe is just another line item, Kingdom Cents calculates your first fruits before anything else, then budgets the rest. It also includes prayer circles, scripture devotionals, and giving reflections in one place.

Is Kingdom Cents free?

Yes. The Faithful plan is free forever with no card and no trial. It includes the tithe tracker, budget buckets with 20+ categories, goals, 5-year projections, daily devotionals, prayer circles, and 2 read-only bank connections. The optional Fruitful plan is $7 per month or $70 per year and adds unlimited bank connections, 10 to 40 year projections, stewardship insights, and a tax-ready annual giving statement.

How does Kingdom Cents track my tithe?

You set your tithe percentage once. Every time income arrives, Kingdom Cents calculates your giving first and shows your tithe progress for the month. You can log gifts by church, ministry, or cause, and see exactly what you gave, to whom, and when in the tithe ledger.

How is Kingdom Cents different from FaithFi or EveryDollar?

Kingdom Cents is the only app where tithe-first is the actual structure, not a category you add yourself. It includes bank syncing on the free plan (FaithFi and EveryDollar put bank sync behind their paid tiers), costs less at $7 per month, and tithes 10% of its own revenue to YouVersion, practicing the first-fruits principle it teaches.

How much should I tithe?

The traditional tithe is 10%, the first tenth of your income, rooted in scripture (Malachi 3:10, Proverbs 3:9). Kingdom Cents is built to help you honor that first, before anything else. You can set your own percentage, on gross or take-home income, and every time income comes in we calculate your tithe first and hold you to it. Use the built-in calculator to see what your tithe looks like for you.

Is my banking data safe with Kingdom Cents?

Yes. Bank connections are read-only through Stripe Financial Connections, so Kingdom Cents can never move your money. Data is protected with AES-256 encryption and TLS 1.3. Kingdom Cents shows no ads and never sells your data.