Financial Cents

Financial Cents is a practice management platform built specifically for accounting and bookkeeping firms. It pulls together workflow management, a client portal, document collection, email integration, proposals, e-signatures, and billing into a single product — aimed squarely at small to mid-sized practices that don't want to stitch together five different tools.

Core features

The workflow engine is the centerpiece. Firms create templates for recurring engagements like monthly bookkeeping, payroll runs, or month-end close, then roll those out as recurring projects with automatic task generation. Each project collects documents, notes, checklists, SOPs, emails, and client communication in one place, so team members don't have to hunt across inboxes and shared drives.

The client portal lets clients log in to view document requests, upload files, and send messages. A standout feature is the automated follow-up system: assign a client task, and Financial Cents will chase them down with reminders until they complete it — useful for recurring requests like "provide bank statements" or "approve this return." Users report getting client responses and documents significantly faster after switching.

Each client also gets a per-client password vault, which is useful for bookkeeping teams that manage credentials on behalf of clients. Email integration syncs Gmail or Outlook, pinning emails to the relevant client or project for a full audit trail.

Beyond project tracking, Financial Cents includes proposals and engagement letters with e-signatures, built-in billing and payments, time tracking with effective hourly rate reporting, and a client CRM. The capacity management view shows who on the team is overloaded at a glance.

Pricing

The Solo plan is $19/month for single-user firms — one of the lowest prices in the practice management category. Team ($49/user/month billed annually) adds multi-user workflows and collaboration features; monthly billing requires a minimum of 5 users. The Scale plan ($69/user/month) includes advanced automations, integrations, and enterprise-level security options. A separate Bookkeeping add-on is $5/month per client billed annually, designed for firms that want to manage client books directly within the platform. A 14-day free trial is available with no credit card required.

Integrations

QuickBooks Online is the primary integration — Financial Cents pulls in client data and supports direct QBO connection, which several users cite as a major time-saver during onboarding. Xero is also supported. Email integrates with Gmail and Outlook. The platform also connects to Zapier for broader automation.

Who it's for

Financial Cents has found its audience among bookkeeping firms, CPAs, and small accounting practices — the platform claims over 10,000 accountants and bookkeepers as users. It's a strong option for solo practitioners or teams under 20 people who want structured workflow management without the complexity or price of tools like Karbon or TaxDome. Firms that currently manage clients in spreadsheets or cobble together Asana with a separate portal tool are the target market.

The trade-off is depth: the client portal is functional but not as polished or customizable as dedicated portal products, reporting is relatively basic, and larger firms with complex approval workflows or multi-entity structures may hit limits. But for a bookkeeping shop that needs recurring workflows, client document collection, and billing in one affordable package, it covers the essentials well.