Centstay

Round-ups that become free nights

Turn small purchases into big vacations.

Centstay rounds up your daily change to unlock $0 nightly stays in cozy cabins and coastal escapes. You aren't just building a portfolio — you're pre-funding a lifetime of vacations.

See how it works
No minimums · SIPC insured · Cancel anytime
Your Travel VaultUpdated just now

Night tokens unlocked

7

$0 nights ready to book

You're 33 coffees away from your next $0 weekend cabin stay.

$378 saved$400 = 1 free night

Latte round-up added

$0.70 into your Memory Fund

The Memory Fund

Every swipe is a step closer to the fireplace.

Your spare change vanishes anyway — on lattes, on groceries, on Tuesday. Here it invisibly stacks up into key-in-hand stay rewards you can actually go use.

Morning latte purchase rounding up $0.70 into a Centstay Memory Fund for free nights

Homes where your best memories will happen

Every home your dollars are working in and you can use

Aria Palms Retreat vacation rental in Gilchrist, TX · 5 Bed · 5.5 Bath
Gilchrist, TX · 5 Bed · 5.5 Bath7.1% yield

Aria Palms Retreat

$495/night · 88% occupancy

164 investorsIn your portfolio
Crystal Beach Tiny Homes vacation rental in Crystal Beach, TX · 2 Bed · 2 Bath
Crystal Beach, TX · 2 Bed · 2 Bath6.4% yield

Crystal Beach Tiny Homes

$185/night · 79% occupancy

92 investorsIn your portfolio
Galveston Beach Retreat vacation rental in Galveston, TX · 5 Bed · 4 Bath
Galveston, TX · 5 Bed · 4 Bath6.8% yield

Galveston Beach Retreat

$430/night · 84% occupancy

137 investorsIn your portfolio
Conifer Cabin vacation rental in Conifer, CO · 4 Bed · 4 Bath
Conifer, CO · 4 Bed · 4 Bath6.1% yield

Conifer Cabin

$375/night · 81% occupancy

118 investorsIn your portfolio
Appleby Chalet vacation rental in Bailey, CO · 2 Bed · 1 Bath
Bailey, CO · 2 Bed · 1 Bath5.7% yield

Appleby Chalet

$210/night · 76% occupancy

74 investorsIn your portfolio
Lions Ridge Loop vacation rental in Vail, CO · 3 Bed · 3 Bath
Vail, CO · 3 Bed · 3 Bath7.6% yield

Lions Ridge Loop

$520/night · 90% occupancy

201 investorsIn your portfolio
Blue Ridge Lodge vacation rental in Newland, NC · 3 Bed · 3 Bath
Newland, NC · 3 Bed · 3 Bath6.5% yield

Blue Ridge Lodge

$295/night · 83% occupancy

109 investorsIn your portfolio
Charleston Cottage vacation rental in Hollywood, SC · 4 Bed · 3 Bath
Hollywood, SC · 4 Bed · 3 Bath6.9% yield

Charleston Cottage

$340/night · 86% occupancy

126 investorsIn your portfolio
Yellowstone Cabins vacation rental in Cooke City, MT · 1 Bed · 1 Bath
Cooke City, MT · 1 Bed · 1 Bath5.4% yield

Yellowstone Cabins

$160/night · 73% occupancy

58 investorsIn your portfolio

How it works

Three steps from loose change to a share of a cabin

01

Link card to start earning $0 stays

Connect your everyday debit or credit card securely. We watch for loose change from your usual spending.

02

Round-ups fill the jar

Every $3.50 latte becomes $5.00. The spare change piles up automatically — no effort, no decisions.

03

Change becomes a cabin key

Your jar auto-invests into fractional shares of real rental properties that pay you when guests stay.

Your Centstay potential

235 $0 nights unlocked for your family

20 years of annual family trips, spontaneous weekend getaways, and fireside mornings — all paid for by spare change.

$0 nights unlocked in 20 years

235

from $150 a month in round-ups

TodayYear 10Year 20
Your Travel Vault$94,050

You put in

$36,000

About $150 a month, mostly spare change.

You get back

235 free nights

Family trips, weekend getaways, and fireside mornings in homes where your best memories will happen.

Illustration only, assuming an 8.5% average annual return from rental income and property appreciation. Returns are not guaranteed and past performance doesn't predict the future.

Your Travel Vault, at a glance

Watch the coffee change turn into free nights

See how many $0 nights you've banked, how close the next one is, and which homes are waiting for you — updated every time you swipe.

Night tokens

7

Coffees to next night

33

Your Travel Vault

$3,178

Homes you can stay in

9

Bank-grade encryption

256-bit data protection on every account.

SIPC insurance

Eligible assets protected up to $500,000.

Regulated & audited

Registered investment platform, independently audited.

Start pre-funding your next vacation

Link card to start earning $0 stays — it takes under two minutes.