Sente is a personal finance platform that helps you understand your money as a whole. It brings together your financial information, from everyday spending and cash flow to investments, assets, and debts, so you can see where you stand financially.

Instead of piecing together information from different accounts and services, you can use Sente to track your net worth, understand changes in your finances, and plan for upcoming expenses and future goals. Its tools help you make sense of your financial activity and see how individual decisions affect your broader financial position.

Sente is built to give you a clearer understanding of your money, so you can make informed decisions about what to do with it.

Most budgeting apps focus on how much you earn, spend, and save. Sente takes a broader approach by bringing your spending, bank accounts, investments, property, and debts into one financial picture.

This means you can look beyond your monthly budget to understand your net worth, see how your financial position changes over time, and consider how today's decisions may affect your future. You can also use Sente's AI assistant to explore your financial information, ask questions, and make sense of patterns you might otherwise miss.

Budgeting is part of managing your money. Sente is built to help you understand the bigger financial picture around it.

Sente supports financial connections through its available data providers. Which banks and account types you can connect depends on your country and the integrations available for your institution.

We're working towards bringing more of your financial information together in one place. If your bank isn't supported for automatic connection, available alternatives will depend on the features Sente provides.

Want to check whether your bank is supported? Visit our supported institutions page to see the available connections.

Yes. Sente helps you bring your investments into the same financial picture as your bank accounts, cash, property, and other assets. This makes it easier to understand how your investments contribute to your overall net worth, rather than viewing them in isolation from the rest of your finances.

Depending on the investment platform and data source, you may be able to view your holdings, investment transactions, and available valuations alongside your other financial information. Over time, this can help you follow changes in your portfolio and understand how your investments affect your financial position. The information available depends on the institution, the integration, and the data it provides.

Investment values can change with market prices, and some holdings may not have up-to-date valuations or complete transaction histories. Sente's investment tracking is intended to help you monitor and understand your finances, rather than execute trades or guarantee investment performance. The availability and detail of investment information will depend on the accounts and data sources supported by Sente.

Yes. Sente helps you calculate your net worth by bringing together the assets you own and the debts you owe. This can include money in your accounts, investments, property, and other assets, alongside liabilities such as loans and credit card debt.

Your net worth is the value of everything you own minus everything you owe. Tracking it over time helps you understand how your financial position changes, whether you're building wealth, paying down debt, or taking on new financial commitments.

The accuracy of your net-worth view depends on the information available in Sente, including how complete and up to date your account balances and asset valuations are.

No. Sente helps you understand your financial position by organising your financial information, highlighting patterns, and helping you explore how your finances may change over time. Its insights can support your decision-making, but they are not a substitute for personalised advice from a qualified financial adviser. You remain in control of your financial decisions, and you should seek professional advice when making important decisions about investments, debt, tax, or long-term financial planning.