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smartCent Help Centre
Everything you need to get set up and make the most of smartCent: getting started, connecting your bank, creating bills and getting your Wallet Health Report.
New to smartCent? Follow these six steps to get set up in a few minutes.Getting started with smartCent
01
Create your account
Sign up with your email or Google account on the web or in the smartCent app for iPhone or Android. Every plan starts with a 3-day free trial.
02
Choose your plan
Starter lets you track up to 10 bills with manual accounts. Standard adds the weekly Wallet Health Report and up to 200 bills. Premium adds live feeds so your transactions sync automatically. Compare plans.
03
Connect your bank or add accounts manually
On Premium, connect your bank securely through our data provider, Credit Sense. On other plans, add your accounts and transactions manually. How we keep your data secure.
04
Add your bills
Mark transactions as bills or create them yourself (see how to create a bill below). They appear on your bill calendar, and smartCent sends you a notification the day before each one is due.
05
Set budgets
Set a budget for each type of expense. Transactions are categorised automatically, and you can adjust any category.
06
Check in each week
Use the calendar to see what’s coming up, and read your Wallet Health Report to see your income against your commitments and your debt-to-income ratio.
Step-by-step guide to creating a bill
Setting up a bill in smartCent is a straightforward process designed for ease of use. Simply follow the steps below to get started.
1
Accessing the Bills tab
Begin by navigating to the Bills tab within the smartCent application. This is where you can manage all your bill-related activities.
2
Adding a new bill
Click on the ‘New Bill’ button. This will open a form for you to enter your bill details.
3
Entering bill details
- Provide the bill amount.
- Enter the bill name.
- Select the date you last paid the bill.
- Choose the appropriate category for your bill.
- Set the bill payment interval.
Make sure all the required fields are filled in accurately before proceeding.
4
Finalising the bill creation
Once all details have been entered, click the ‘Create Bill’ button. smartCent will automatically handle the rest. To update or delete the bill, you can select it from the list on the Bills tab.
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Bill management features
After creating your bill, you can view scheduled bills for up to six months in advance on the Calendar. smartCent also sends you a notification the day before each bill is due, so you have time to pay it.
Step-by-step guide to getting your Wallet Health Report
The Wallet Health Report helps you understand your financial habits by analysing your spending patterns over time. Follow the steps below to get your personalised report.
1
Open the Wallet Health Report from your dashboard
Log in to your smartCent account and navigate to your main dashboard. You’ll see the “Wallet Health Report” option highlighted — click to begin your report setup.
2
Enter required details
Provide at least 3 months of bank statements to allow smartCent to analyse your spending trends accurately.
3
Included in your plan
The Wallet Health Report is included in the Standard and Premium plans, with no extra charge to generate it.
4
Review your insights
Once processed, you’ll receive a complete overview of your spending patterns — including top categories and frequency of expenses.
5
Keep tracking regularly
Your Wallet Health Report can be generated periodically to track progress, understand changes, and continue improving your financial health.
Still need help?
Check the FAQs or contact us and we’ll get back to you.