Faith-Based Personal Finance

The Tithe Was Not Supposed to Be the Hard Part.

Money that reflects your faith first, your balance second.

Start Setting It Right

Two bank connections free, no card. We'll keep the essentials that way. See the math, read the FAQ, or browse the guides.

Read-only bank access via Stripe
AES-256 · TLS 1.3
10% tithe to YouVersion
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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."

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.

Tee

Founder, Kingdom Cents

This began long before the app did.

Read The Full Story

What Kingdom Cents Does

We Start With the Tithe.
Everything Else Follows.

Three tools, in the order Scripture puts them.

01
Give first
Your tithe is set aside the moment income lands, before a dollar is budgeted. Track every gift by church, ministry, or cause.
02
Steward the rest
After giving, put every remaining dollar to work across 27 categories and 200+ subcategories, or create your own. You’ll always know where your money is going, and stay clear of the debt that steals your peace.
03
Grow toward what matters
Set goals for what’s ahead, an emergency fund, a first home, a mission trip, and watch each one fill. See where today’s faithfulness puts you years, even decades, from now.

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 Would Giving First
Look Like For You?

Enter your income and see what giving first looks like, week by week and year by year.

$500
$0$25,000
10%
1%10% traditional30%
Your Monthly Tithe
$50
$12 per week · $600 per year

Gross or net? Read the guide →

No card required.

Where the ten percent comes from, and what it isn't →

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 · 4 months ago1 rejoice

"They have conquered him by the blood of the Lamb and by the word of their testimony." - Rev 12:11 (BSB)

My Commitment

Honoring God with What You Have Should Not Cost Money.

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

Faithful Plan

Always Free

2 bank connections, synced automatically each week (read-only via Stripe, so we cannot touch your money)
First-fruits budgeting. Your tithe, offering, and giving set aside before expenses
Prayer circles up to 12 members, daily devotionals, and giving reflections
Debt-freedom plan with snowball and avalanche methods
Goals with milestone stones, plus financial projections across decades (1 to 40 years)
The Garden, spiritual growth tied to your real financial goals
Stewardship Snapshot, trend chart, cash flow, and category breakdown (1 month)
Budget buckets with 27 categories and 200+ subcategories, plus unlimited manual transactions

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”, not your balances, amounts, or giving. You approve every suggestion, and your data is not 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.
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.

What is Kingdom Cents?

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 always free with no card and no trial. It includes the tithe tracker, budget buckets with 20+ categories, goals, 40-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, 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 other faith-based budgeting apps?

Giving comes first in the structure rather than as a category you add yourself. The free plan includes two bank connections, and the paid plan is $7 a month. Kingdom Cents gives away 10% of its own revenue to YouVersion and posts every transfer in a public ledger with receipts. It can also track giving in hours instead of dollars, for seasons when money is short.

How does Kingdom Cents help me decide how much to tithe?

You set your own percentage, on gross or take-home income, and Kingdom Cents calculates it first each time income arrives, before anything else takes a share. Proverbs 3:9 calls that order first fruits. Ten percent is the traditional figure and the default. The New Testament sets no percentage, so the number is yours to set and change. The tithe calculator shows what any percentage comes to weekly, monthly, and yearly.

Is my banking data safe with Kingdom Cents?

Yes. Bank connections are read-only through Stripe Financial Connections, so Kingdom Cents cannot move your money. Data is protected with AES-256 encryption and TLS 1.3. Kingdom Cents shows no ads and does not sell your data.