Most budgeting apps put giving in a category near the bottom, so the tithe becomes whatever is left after the bills. Kingdom Cents reverses the order. It calculates your tithe the moment income lands, then builds the budget around what remains.^1
You set your giving percentage once, and every deposit is split against it first. From there you steward the rest across 27 categories and 200-plus subcategories, work a debt payoff plan using snowball or avalanche, and set savings goals with projections running decades out. In a month when income is short you can log a time offering instead, recording hours served rather than falling behind on a number. Bank connections are read-only through Stripe Financial Connections, so the app can read transactions but can never move money.^2
Alongside the money tools sit prayer circles capped at twelve members, a daily devotional tied to a stewardship theme, and giving reflections where you write down what a gift meant. The Garden turns savings goals into plants and milestones into stones of remembrance.
Founder Tee built Kingdom Cents after years at Bloomberg, then came to faith and started asking what to do with what she had learned about money.^3
Notable- Tithe tracking, first-fruits budgeting, prayer circles, devotionals, goals, and two bank connections are all on the free tier, with no trial and no card required.^1
- Ten percent of every subscription dollar is committed to YouVersion, posted publicly on a giving ledger with proof of transfer.^4
- No ads, no data sale, and user data is not used to train AI.^2
- Built by Lattice Forge LLC in Sacramento, California.^5
- Web app. No iOS or Android listing at the time of review.
