Financial Cents
Financial Cents is cloud-based practice management software for accounting, bookkeeping, and tax firms.
What Financial Cents is
Financial Cents is cloud-based practice management software for accounting, bookkeeping, and tax firms. It helps firms coordinate client work and staff and track deadlines with workflow management, client CRM, automated client-task reminders, month-end close, e-signatures, time tracking, billing, and invoicing. Its client portal uses passwordless links, rotating encrypted passwords, and six-digit identity codes sent by email or SMS. Financial Cents says document storage is unlimited and data is encrypted at rest and in transit. Integrations include QuickBooks Online, email and file services, Zapier, Ignition, and tax applications such as DrakeTax, UltraTax, Lacerte, ProSeries, ProConnect, TaxAct, and CCH Axcess. The Scale plan includes an Open API, and Enterprise includes webhooks. Financial Cents states it is SOC II Type I certified by AICPA and offers a 14-day trial without requiring a credit card. The Solo plan costs $19.00 per month, billed annually, with 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 at least five users.
Good
- Includes workflow, time tracking, and invoicing.
- Client portal uses email or SMS identity codes.
- Unlimited document storage is stated for all users.
- Offers a 14-day trial without a credit card.
- Integrates with accounting and tax applications.
Watch out
- No free plan.
- Solo costs $19.00 per month, billed annually.
- Firms with one to four users must pay annually.
- Monthly billing requires at least five users.
Who it suits
It is designed for accountants, bookkeepers, and CPAs managing client work, staff coordination, and deadlines. The Solo plan is for single-user firms, while monthly billing requires at least five users.
Verdict
Financial Cents combines practice workflows, client communications, billing, and document handling for accounting-related firms. The trial provides a way to evaluate it, but smaller firms must commit to annual payments.
Plans and prices
From Financial Cents's own pricing page, checked 21 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Solo | $19 a month | workflow and to-do lists · automations · client portal · secure file sharing · CRM · time tracking · invoicing · QBO integration · AI features · $19/month billed annually; 12-month agreement; one user |
| Team | $49 a month | Solo features · collaboration · integrated email · e-signatures · budgeting and reporting · proposals · billing · $49/user/month billed annually |
| Scale | $69 a month | Team features · auto-follow-ups · task dependencies · auto-create work · Zapier · Open API · branded portal · profitability reports · $69/user/month billed annually |
| Enterprise | Priced on request | custom permissions · IP whitelisting · mandatory 2FA · webhooks · advanced security · premium support · Custom pricing |
The facts
Each one read from Financial Cents's own pages, with the date it was checked.
What it does
- 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.checked 21 Oct 2026
- API
- The Scale plan includes an Open API and webhooks are included in Enterprise.checked 30 Sep 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.checked 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.checked 30 Sep 2026
- Authentication
- Multi-factor authentication is provided and recommended for users, and the Enterprise plan offers a mandatory 2FA option.checked 30 Sep 2026
- Client portal
- A passwordless client portal supports document exchange, communication, task completion, signatures and invoice payments.checked 21 Oct 2026
- Client requests
- Client tasks and requests let firms collect documents or answers through automated email and text reminders.checked 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.checked 30 Sep 2026
- CRM and database
- The product stores client records, contacts, custom fields, tags and interaction information in a client CRM/database.checked 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.checked 21 Oct 2026
- Document management
- Financial Cents includes secure file sharing, document management, unlimited storage and the ability to lock files behind an invoice.checked 21 Oct 2026
- Document storage
- Financial Cents states that it offers unlimited document storage to all users.checked 30 Sep 2026
- Encryption
- Financial Cents states that data is encrypted at rest and during transit, with TLS-secured browser connections.checked 30 Sep 2026
- Hosting
- Financial Cents says it uses DigitalOcean and AWS infrastructure, with servers in New York City and Virginia.checked 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.checked 30 Sep 2026
- Integrations
- Native or listed integrations include QuickBooks Online, Gmail, Outlook, Google Drive, OneDrive/SharePoint, SmartVault, Adobe Sign, Ignition, tax applications and Zapier.checked 21 Oct 2026
- Legal name and founder
- Crunchbase lists the legal name as Financial Cents and Shahram Zarshenas as founder and CEO.checked 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.checked 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.checked 21 Oct 2026
Money
- Billing availability
- Financial Cents Billing is currently available for US and Canadian firms.checked 30 Sep 2026
- Billing limit
- Only firms with five or more users can choose monthly billing; firms with one to four users must use annual payments.checked 30 Sep 2026
The company
- Company founded
- Inc. lists Financial Cents as founded in 2020 and based in Atlanta, Georgia.checked 21 Oct 2026
- Company size and ownership
- LinkedIn describes Financial Cents as privately held, headquartered in Atlanta and employing 51–200 people.checked 21 Oct 2026
- Founded
- 2020checked 23 Sep 2026
