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Financial Cents
What Financial Cents is
Financial Cents is cloud-based practice management software for accounting, bookkeeping, and tax firms. It brings client work, staff collaboration, and deadline management together with workflow tools, client CRM, client tasks and automatic reminders, month-end close, e-signatures, time tracking, billing, invoicing, and AI features. Firms can connect services including QuickBooks Online, Gmail, Outlook, Google Drive, OneDrive, SharePoint, SmartVault, Zapier, Ignition, and tax applications such as DrakeTax, UltraTax, Lacerte, ProSeries, ProConnect, TaxAct, and CCH Axcess. The client portal uses passwordless links, rotating encrypted passwords, and six-digit verification codes sent by email or SMS. Financial Cents says document storage is unlimited, and data is encrypted at rest and in transit. It also states that it is SOC II Type I certified by AICPA and uses DigitalOcean and AWS cloud providers. The Scale plan includes an Open API, while Enterprise includes webhooks. A free 14-day trial is available without a credit card. Solo costs $19 a month, billed annually under a 12-month agreement, for single-user firms. Firms with one to four users must pay annually; monthly billing is available only to firms with five or more users.
Who it suits
Financial Cents is designed for accounting, bookkeeping, and tax firms that need to coordinate client work, staff, and deadlines. Its tools also suit firms that want client portals, document storage, time tracking, billing, and connections to accounting and tax applications.
What it does well
- Combines workflow management with client CRM and automatic task reminders.
- Includes time tracking, billing, and invoicing.
- Offers integrations with accounting, file, and tax applications.
- Client portal supports passwordless access and identity verification codes.
- Unlimited document storage is offered to all users.
What to know first
- There is no free plan.
- Solo requires annual billing and a 12-month agreement.
- Monthly billing requires at least five users.
- Financial Cents Billing is currently available to US and Canadian firms.
Limits
Solo costs $19 a month, billed annually under a 12-month agreement, and is for single-user firms. Firms with one to four users must pay annually; monthly billing is available only for firms with five or more users. Financial Cents Billing is currently available to US and Canadian firms.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Solo | $19/month billed annually; 12-month agreement; one user · workflow and to-do lists · automations · client portal · secure file sharing · CRM · time tracking · invoicing · QBO integration · AI features | $19 a month |
| Team | $49/user/month billed annually · Solo features · collaboration · integrated email · e-signatures · budgeting and reporting · proposals · billing | $49 a month |
| Scale | $69/user/month billed annually · Team features · auto-follow-ups · task dependencies · auto-create work · Zapier · Open API · branded portal · profitability reports | $69 a month |
| Enterprise | Custom pricing · custom permissions · IP whitelisting · mandatory 2FA · webhooks · advanced security · premium support | On request |
As financial-cents.com lists them, read 21 Oct 2026. The maker's own page has the final word.
Getting started
- Open financial-cents.com in a browser.
- Start the free 14-day trial; no credit card is required.
- Choose Solo for a single-user firm or select a team plan that matches your firm.
- Connect the accounting, email, file storage, or tax applications your firm uses.
Verdict
Choose Financial Cents if your accounting, bookkeeping, or tax firm needs one system for client work, staff workflows, and deadlines, with a 14-day trial to evaluate it. Look elsewhere if you need a free plan or monthly billing for a firm with fewer than five users.
Questions
How much does Financial Cents cost?
Solo is $19 a month, billed annually under a 12-month agreement, for single-user firms. Team is $89 a month and Scale is $109 a month; both require a minimum of five users and an annual agreement, billed monthly. Enterprise uses custom pricing.
Does Financial Cents have a free plan or trial?
It has no free plan. A free 14-day trial is available without a credit card.
Which platforms does it support?
Financial Cents is a web-based service.
Which integrations are available?
Official integrations include QuickBooks Online, Gmail, Outlook, Google Drive, OneDrive, SharePoint, SmartVault, Zapier, Ignition, and the listed tax applications, including DrakeTax, UltraTax, Lacerte, ProSeries, ProConnect, TaxAct, and CCH Axcess.
Which plans include API access and webhooks?
The Scale plan includes an Open API. Webhooks are included in Enterprise.
Where is Financial Cents Billing available?
Financial Cents Billing is currently available for firms in the United States and Canada.
Facts from Financial Cents's own pages
- AI features
- AI agents validate uploaded files, rename them, route copies to client folders, draft emails and generate workflow checklists; Scale adds an MCP connection to AI assistants. · financial-cents.com, 21 Oct 2026
- API
- The Scale plan includes an Open API and webhooks are included in Enterprise. · financial-cents.com, 30 Sept 2026
- API documentation depth
- The maker links to API documentation hosted on GitBook; no official SDK or self-hosted deployment is described on the cited maker pages. · help.financial-cents.com, 21 Oct 2026
- Audience
- Financial Cents was launched in 2020 as practice management software designed for accountants and is used by accountants, bookkeepers, and CPAs. · financial-cents.com, 30 Sept 2026
- Authentication
- Multi-factor authentication is provided and recommended for users, and the Enterprise plan offers a mandatory 2FA option. · financial-cents.com, 30 Sept 2026
- Billing availability
- Financial Cents Billing is currently available for US and Canadian firms. · help.financial-cents.com, 30 Sept 2026
- Billing limit
- Only firms with five or more users can choose monthly billing; firms with one to four users must use annual payments. · help.financial-cents.com, 30 Sept 2026
- Client portal
- A passwordless client portal supports document exchange, communication, task completion, signatures and invoice payments. · financial-cents.com, 21 Oct 2026
- Client requests
- Client tasks and requests let firms collect documents or answers through automated email and text reminders. · linkedin.com, 21 Oct 2026
- Company founded
- Inc. lists Financial Cents as founded in 2020 and based in Atlanta, Georgia. · inc.com, 21 Oct 2026
- Company size and ownership
- LinkedIn describes Financial Cents as privately held, headquartered in Atlanta and employing 51–200 people. · linkedin.com, 21 Oct 2026
- Core features
- The product includes workflow management, billing, time tracking and invoicing, client CRM, client tasks with auto-reminders, month-end close, e-signatures, and AI features. · financial-cents.com, 30 Sept 2026
- CRM and database
- The product stores client records, contacts, custom fields, tags and interaction information in a client CRM/database. · financial-cents.com, 21 Oct 2026
- Documentation and support
- The help center lists hundreds of articles across setup, workflows, client portal, billing, database, email, time tracking, reporting, integrations, settings, Month-End Close and AI. · help.financial-cents.com, 21 Oct 2026
- Document management
- Financial Cents includes secure file sharing, document management, unlimited storage and the ability to lock files behind an invoice. · financial-cents.com, 21 Oct 2026
- Document storage
- Financial Cents states that it offers unlimited document storage to all users. · help.financial-cents.com, 30 Sept 2026
- Encryption
- Financial Cents states that data is encrypted at rest and during transit, with TLS-secured browser connections. · financial-cents.com, 30 Sept 2026
- Founded
- 2020 · financial-cents.com, 23 Sept 2026
- Hosting
- Financial Cents says it uses DigitalOcean and AWS infrastructure, with servers in New York City and Virginia. · financial-cents.com, 21 Oct 2026
- Infrastructure
- Financial Cents uses DigitalOcean and AWS cloud providers and states that both providers are SOC II, SOC III, GDPR, and HIPAA compliant. · financial-cents.com, 30 Sept 2026
- Integrations
- Native or listed integrations include QuickBooks Online, Gmail, Outlook, Google Drive, OneDrive/SharePoint, SmartVault, Adobe Sign, Ignition, tax applications and Zapier. · financial-cents.com, 21 Oct 2026
- Legal name and founder
- Crunchbase lists the legal name as Financial Cents and Shahram Zarshenas as founder and CEO. · crunchbase.com, 21 Oct 2026
- Licence
- Terms describe a subscription service licensed to customers and a limited trial version; they do not present Financial Cents as open-source software. · app.financial-cents.com, 21 Oct 2026
- Limit: Canadian functionality
- The sole Trustpilot reviewer said Canadian users pay full price while some features are unavailable in Canada and support responses can take days. · trustpilot.com, 21 Oct 2026