Managing money as a Christian can feel overwhelming — especially when most budgeting tools ignore the spiritual side of stewardship entirely. Biblical Cents is a free, web-based budgeting app built specifically for believers who want to honor God with every dollar.^1
Founded by Johnny Thompson — a financial coach, Navy veteran, and follower of Christ who reached financial independence at 35 — Biblical Cents offers zero-based budgeting, a 7-step "Pathway to Provision" journey rooted in Proverbs, debt payoff tools (snowball and avalanche methods), retirement planning, voice-powered transaction entry ("TalkCents"), and an AI coaching feature called "Ask Coach" that blends practical wisdom with biblical principles.^1 The app puts giving first — literally positioning generosity as the starting point of every budget.^2
What makes Biblical Cents stand out is its conviction that budgeting should be a ministry, not a business. The app is completely free — no ads, no upsells, no premium tier. Thompson has said he built it "rooted in prayer" and wants it to serve the Kingdom.^3 He also offers personal financial coaching sessions for those who want one-on-one guidance grounded in Scripture.^4
Why Christians Love It"I would like to try it out. I am horrible with finances but I do want to do better." — UNiqua H.^3
Notable- Founded by Johnny Thompson, a Navy veteran and financial coach who became financially independent at 35^5
- Launched December 2025 as a completely free ministry tool^6
- Active on Instagram (@biblicalcents) with 1,200+ followers sharing daily stewardship wisdom^2
- Features voice-powered transaction entry and an AI financial coaching assistant^1
- Thompson offers $50/30-min personal coaching sessions alongside the free app^4
