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Launching Germany · Q3 2026

Your €5 coffee
costs €135,000.
Now you'll know it.

See what every small habit silently costs you over a lifetime.
Not a budget tracker — a wake-up call.

Get Early Access — Free See the math
€0 Annual micro-spend / person
0× Consumers underestimate subs
0 Apps built for this problem
0% People forget recurring charges
€2,007 Daily coffee · 1 year cost
€135K If invested · 30 years
Your lifetime cost breakdown
Daily coffee €135,000
Spotify €54,000
Work lunches €350,000
30-yr opportunity cost €539K
See your number
2,847 already on the waitlist
·
GDPR-native · No data sold
·
Munich Business School
The compound visualizer

See what your
small spending really costs.

Move the sliders. Watch what happens to the number on the right.

Lifetime Opportunity Cost
What your habit costs if that money were invested at 7% annual return
30-Year Compound Cost
€0
—
1 Year
—
5 Years
—
10 Years
—
20 Years
—
30 Years
Amount spent directly
Compound investment value foregone
The real cost of doing nothing

Every euro you drain
could be in your vault.

Centwise is the valve between leaking and compounding.

Drain
€0
lost per year on untracked micro-spending
Centwise
Valve
Vault
€0
compound growth over 30 years at 7%
Daily €5.50 coffee → €2,007/year
Average 8.2 active subscriptions per person
€3,381 spent on impulse buys per year (avg)
72% of subscriptions auto-renew — never reviewed
Mint shut down March 2024. Nobody filled the gap.
1,200+ German banks on SEPA Instant Payments
PSD3/PSR political agreement reached Nov 2025
Daily €5.50 coffee → €2,007/year
Average 8.2 active subscriptions per person
€3,381 spent on impulse buys per year (avg)
72% of subscriptions auto-renew — never reviewed
Mint shut down March 2024. Nobody filled the gap.
1,200+ German banks on SEPA Instant Payments
PSD3/PSR political agreement reached Nov 2025
€0
Annual micro-spend per person
Lost in silence, every year. Nobody tracks it.
SOURCE: C+R Research, 2022 (n=1,000)
0×
Consumers underestimate subscriptions
People guess €86/month. Reality: €219. That gap is where we live.
SOURCE: Whop / JoinChargeback, 2024
0%
Forget recurring charges
42% actively pay for services they never use.
SOURCE: Self Financial, 2025 (n=1,138)
Why it keeps getting worse

Your brain is wired
to miss this.

Three behavioural mechanisms conspire to make micro-spending invisible. Understanding them is step one.

Why small feels free
Mental Accounting
A €5 coffee feels like nothing next to €3,000 rent. So you never question it.
Why tapping doesn't hurt
Pain of Paying
Cards hurt less than cash — neurologically. People spend up to 2× more. Contactless made it worse.
Why "set and forget" kills you
Autopilot Spending
72% of subs are on auto-pay. Nobody reviews what they never see. Invisible charges = invisible damage.
The solution

Not a budgeting app.
An intelligence layer.

Centwise doesn't just categorise your spending. It translates it into what it actually costs over a lifetime.

01
Compound Cost Engine
Shows you exactly what each habit costs over 1 year, 5 years, and a lifetime — including opportunity cost if that money had been invested instead.
Your €5/day coffee habit = €23,400 over 10 years if invested at 7% annual return
Core differentiator
02
AI Micro-Habit Detection
Spots patterns you don't even notice. Like the €4.50 muffin every Tuesday that's costing you €468 a year — and €47,000 over 30 years invested.
Powered by AI
03
Budget Leak Dashboard
One view for everything: subscriptions, daily micro-buys, and impulse spending. Ranked by compound lifetime cost — not just this month's total.
Single source of truth
04
Behavioural Nudges
Push notification at the exact moment you're about to repeat a habit: "14th coffee this month. €63 so far. That's €756 this year."
Intervention at the moment
Built for Germany first — GDPR-native, multi-bank via Tink, 1,200+ SEPA Instant banks, full cash-entry UX
The landscape

Nobody owns
micro-expenses.

Mint shut down in March 2024. The market reshuffled. Not one app focuses on compound micro-spending. That's the gap.

Product Users Micro Focus Europe AI Key Gap
Rocket Money 10M+ Low ✕ Med Subscription cancellation only; no daily tracking
Cleo AI 8M+ Med ✕ High US-only; revenue from cash advances, not tracking
YNAB ~2M Low ~ Low Manual entry; too complex for high-frequency spenders
Revolut 50M+ Low ✓ Med Broad feature set but shallow on expense analysis
Finanzguru (DE) 1.5M+ Low ✓ Med AI financial advisor, not micro-expense focused
Emma (UK) Growing Med ~ Med Good subscription tracker, no compound cost view
★ Centwise MVP Q3 '26 High ✓ High Compound cost intelligence layer — the only one
Current apps say: "You spent €450 on dining." Centwise says: "Your daily €5.50 coffee costs €2,007/year and €135,000 over 30 years if invested."
Simple pricing

Start free.
Go deeper for €4/mo.

No tricks. No upsell hell. The free tier shows you the truth. Premium lets you act on it.

Free
€0
forever free
  • Compound cost visibility
  • Manual + bank-linked tracking
  • Budget leak dashboard
  • Cash entry UX (Germany)
  • AI habit detection
  • Behavioural nudges
Most Valuable
Premium
€4
per month · cancel anytime
  • Everything in Free
  • AI micro-habit detection
  • Behavioural nudges
  • Sub management + alerts
  • 30-year projections
  • Multi-bank (Tink, 1,200+ DE)
Join Premium Waitlist

Launching Germany Q3 2026 · DACH expansion Q3 2027 · Western Europe 2028+

Every cent counts

Your €5 habit
is a €135,000 decision.

Find out what your spending is really costing you. Centwise launches in Germany, Q3 2026 — spots are limited.

No spam. Early access only. Built at Munich Business School.