--- title: "Financial Cents Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Financial Cents the right Accounting Practice Management solution for you? Explore 274 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/186837/Financial-Cents/reviews/" page_type: "reviews" language: "en" publication_date: "2026-09-29" --- Financial Cents 4.8 (273) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated September 29th, 2026 # Reviews of Financial Cents Ease of use 4.8 Customer Service 4.7 ## Pros and Cons in Reviews Candance W CEOAccounting, 2 - 10 employeesUsed the software for: Less than 6 months. “Accounting software Integration: FC offers payment processing that integrates with my accounting system, AND integrates directly with my client's accounting systems to supporting and easy month end close process - saves clicks and time all around.“ January 16, 2026 Marcus S Founder and CEOAccounting, 2 - 10 employeesUsed the software for: Less than 6 months. “The price point is a bit high for smaller firms just getting started and it does not have the full Financial Statement connectivity yet to QBO to perform balance sheet reconciliations or general financial review.“ January 13, 2026 Stephen L OwnerAccounting, Self-employedUsed the software for: Less than 6 months. “Overall, I'm highly impressed with everything that I have used Financial Cents for in my bookkeeping firm, and I'm excited to learn about more of its features and how I can use those to efficiently provide my bookkeeping services to my clients both now and as my firm grows.“ May 4, 2026 Leticia B OwnerAccounting, Self-employedUsed the software for: Less than 6 months. “Customer service is not great, no option to speak to someone live and the chat option takes for ever to get a resolution!“ July 28, 2026 Candance W CEOAccounting, 2 - 10 employeesUsed the software for: Less than 6 months. “FC's tutorials are straight forward and great for visual learners like myself. And, built in time tracking is helpful in understanding time budgeting for my diverse service offerings.“ January 16, 2026 DB David B PartnerAccounting, 2 - 10 employeesUsed the software for: 1-2 years. “There is no file editing capabilities built in but there is also no way to sync files so you are forced to download them each time. When uploading files after working on them it doesn’t give you the option to replace the existing file, just creates a separate copy.“ September 19, 2025 Julian Alejandro M OwnerAccounting, Self-employedUsed the software for: I used a free trial. “It makes it much easier to keep track of where each project stands, what needs to be completed, and what items are still outstanding.“ August 17, 2026 TT Travis T BookkeeperAccounting, Self-employedUsed the software for: Less than 6 months. “not having a monthly plan for the subscription, I wish there was a monthly subscription for those small businesses like myself that can't afford to dish out $1,600 at once“ January 12, 2026 ## Showing most helpful reviews Showing 1-25 of 273 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use JR Jessie R. Owner Used the software for: Less than 1 year ### "Yay for Organization!" November 2, 2026 5.0 The ability that is built in to sync both with my firm's QuickBooks Online account, as well as my clients makes the onboarding and monthly task work streamlined makes me so excited to have FC! Pros Easy of Use, Client Communication, Uncat magic link, syncing with QBO, Pricing, month end features, 1099 collection feature Cons Nothing so far although I am hoping ME will be more robust and be included in the subscription not a per client price structure. Review Source lisa L. Bookkeeper Used the software for: Less than 1 year ### "Incredibly helpful for organizing my work" October 28, 2026 5.0 Financial Cents has become a core part of my day-to-day. It keeps my work on track, makes teamwork easy, and streamlines getting information from clients. I’m happy with it. Pros Organizing tasks, team coordination, and collecting client information, all in one place. Very easy to use. Cons A little setup time up front, but it was minor and intuitive. The end result is a very useful tool. Worth the time. Review Source R Reviewer President Used the software for: Less than 1 year ### "Payment Processing Requires SIN" October 6, 2026 1.0 Easy to get started. Screen displays can't add\\change columns making what I saw, what they want me to see not what I wanted to see. Would have stayed using time tracking if we could have better reports about client billing especially the notes as that determines invoicing descriptions. They send too many emails - maybe they could be turned off - but emails from members of the team with updates, seemed like daily. Pros Our main purpose to try Financial Cents was for time tracking. It did a good job at this, to a point. For invoicing you needed to sign up for payment processing - in US base terms - even if we had no intention of using the payment processing. From what we saw, credit\\debit transactions could be processed but not e-mail money transfers. The US feature was available. We are a Canadian company!! Cons We did not like that we had to provide a SIN number to use the invoicing feature, even if we had no intention of using the built in payment method. This was a deal breaker. It could not provide a simple report with all the notes on each time entry. We needed to open each time entry to see the full notes. So now even the time entry was not useful to us for our billing. Providing the owner's SIN to US company for a feature we did not want became the deal breaker. There is no need to collect my SIN. If that is US law, then you need to talk to your legislators because that is total nonsense. We didn't even want to use the payment feature. We collect our receivables just fine thank you! Financial Cents could have chosen to have the invoice feature with an extra cost but they chose to include it and be limited to their collection process. Another way to make money. Kind of sneaky and not above board. The time tracking became useless with the report, and invoicing was a no go due to requiring a SIN. Dropped this in 3 weeks. Review Source Deaubry S. Owner Used the software for: Less than 1 year ### "Great improvement" September 28, 2026 5.0 I've had a great experience. My team and I have increased productivity and improved communication around client deliverables and timelines. Pros I like how it integrates with QBO and allows collaboration between my firm and my clients on many tasks. Cons I don't like that the month end close is an additional charge per month per client. That was the feature they sold me on then told me it cost extra. Review Source BJ Becky J. Owner Used the software for: 1-3 years ### "Really liking it - after 1st year" September 15, 2026 4.0 We really like all that it has to offer. I'm sure we're not using it to its full capabilities yet...we're working on that! Pros We really like the client portals! It is so nice to upload everything, and they can access it at any time. Cons Unfortunately, FC does not integrate with Excel or Sage. We have regular monthly spreadsheets to share with our clients, so it is quite cumbersome to have to convert files to PDF first. And we are finding it quite expensive - over $1k each year for EACH of our employees. Review Source Julian M. Owner Used the software for: I used a free trial ### "Great Project Management Software for Accountants" August 20, 2026 5.0 It's a great product because it offers the best value for what it offers. I am a Tax Dome user. Even though Tax Dome is great, it's too expensive. Pros Financial Cents has been an excellent tool for managing my accounting and financial projects. It makes it much easier to keep track of where each project stands, what needs to be completed, and what items are still outstanding. One of the features I find particularly helpful is the ability to request and track documents from clients. Instead of having to keep track of outstanding requests through emails or spreadsheets, Financial Cents gives me a centralized place to see what has been requested, what has been received, and what is still outstanding. It has also helped me stay organized across multiple clients and projects, making it easier to manage deadlines and ensure that nothing falls through the cracks. Overall, Financial Cents has significantly improved my workflow and organization, and I would highly recommend it to accounting and finance professionals looking for a better way to manage their projects and client requests. Cons There's a bit of a learning curve when using the app. There are plenty of tutorial videos to help you get set up. Review Source R Reviewer Owner Used the software for: Less than 1 year ### "FinancialCents helps me stay organized across multiple software apps." August 13, 2026 5.0 Financial Cents has been a strong addition to my workflow as a tax and accounting professional. The platform is clean, intuitive, and designed with real practitioners in mind. I appreciate how streamlined the client portal is — my clients can navigate it easily without feeling overwhelmed, which is a major priority for my firm. The task management features are practical and well thought out, helping me stay organized across multiple engagements. Overall, Financial Cents delivers a solid balance of simplicity and capability, making it a reliable tool for firms that value clarity and efficiency. Pros FinancialCents helps me stay organized across multiple software apps by signing in to one hub. I now have a full-time assistant! Cons Customer support could be better. When I reach out to customer support through AI chat, then to a live agent, it seems to take the agents a while to present a solution. It is almost like they forgot about you and your issue. I wish you could connect with live phone support. Review Source Leticia B. Owner Used the software for: Less than 1 year ### "Software Has Helped Me Stay Organized" July 29, 2026 4.0 I would rate it a 7 at the moment, still on the fence regarding the customer service, they need to fix that! Pros Keeping me organized with all my clients, keep my tasks in priority order, streamline Month end tasks! Cons Customer service is not great, no option to speak to someone live and the chat option takes for ever to get a resolution! Review Source R Reviewer Marketing and Communications Executive Used the software for: 3-5 years ### "The perfect workflow management tool" July 7, 2026 5.0 Pros I adopted Financial Cents to organize the workload related to tax season closures and dividend distributions. This software is exceptional for tracking critical deadlines across my various investment projects. The high-level overview allows me to know exactly who is doing what and where deliverables stand. I love the automated client reminder feature Cons hile the tool is perfect for pure workflow management, the high-level management reporting features are still a bit light. The app is also very focused on the Anglo-Saxon market fundamentally Review Source Katherine R. Operations Manager-Accounting Assitant Used the software for: Less than 1 year ### "Financial Cents is the new IT THING" July 7, 2026 4.0 Love it. Got rid of 4 other software's because this has everything together. Jira, (GOODBYE). Confluence (GOODBYE). ShareFile (GOODBYE). It has saved us money and time. Pros Everything is all in one place. Files, client correspondence, deadlines, workflow, timekeeping, billable client minutes/hours. It is really intuitive. Cons QuickBooks integration seems to double bill. There also is not a place to add a secondary "return" account for when we need to send refunds to clients. This should be easier to navigate Review Source Julie T. Accountant, Certified QuickBooks ProAdvisor Used the software for: Less than 1 year ### "Keeps Me Organized and On Track as a Solo Worker" December 3, 2025 5.0 It's been great overall! It's so powerful, that you have to "step" into it. I'm looking forward to exploring it's higher features. Pros I helps me to schedule my workload, to see my upcoming deadlines, and keep notes if I have to ask my client anything. Cons I can't think of anything that I dislike! I'm only using the basic features at this time. I'm looking to learn more and upgrade to the higher version. Review Source R Reviewer Principal Used the software for: Less than 1 year ### "Efficient workflows and smooth onboarding" March 13, 2026 5.0 Overall, it’s a simple but powerful tool that helps our team stay organized, improve accountability, and provide a better experience for our clients. Pros Financial Cents has been a great addition to our accounting workflow. It has significantly improved our efficiency by keeping tasks, deadlines, and client communication organized in one place. One of the biggest benefits for us has been client onboarding. The ability to create structured workflows and track required documents makes the process much smoother and ensures nothing gets missed. Cons Would be nice if it also integrated with Xero easily and without friction. Xero is a better platform for efficiency as well. Review Source DB David B. Partner Used the software for: 1-3 years ### "Some hits and some misses" September 23, 2025 2.0 Pros Overall the Financial Cents interface is clean and easy to find your way around. Support is usually quick and helpful if you need to contact them for an issue. Although not customizable for some reason, the client information is laid out well and includes all communications with the client as well as any resources needed. We don’t use the email section but it is nice that it has the ability to add multiple email accounts. User permissions are pretty detailed but it would be nice to create your own custom roles. Cons Honestly, the software feels incomplete and hampered by some really perplexing design decisions that really hurt productivity. There is no easily accessible area to view all communications with the clients or staff. For some odd reason they based all of the recurring projects on the due date instead of the start date so you have to calculate when the project is created based on how many days before its due. File management is atrocious. You can send file requests to clients monthly but after they upload you can only download or manipulate one at a time. There is no file editing capabilities built in but there is also no way to sync files so you are forced to download them each time. When uploading files after working on them it doesn’t give you the option to replace the existing file, just creates a separate copy. The worst has been their billing service that they implemented this year. They will hound you to use it even if it is a downgrade from what you are using. Additionally, they gated useful features like expanded reports and proposals to the billing module so that you can’t use them if you don’t use their merchant services. Overall, I would say there are better solutions out there but unfortunately we have already committed with a couple of clients and won’t make them learn new software so we are stuck with them for now. Review Source Marcus S. Founder and CEO Used the software for: Less than 1 year ### "Financial Cents the go to Accounting Practice Management Tool for Scaling" January 14, 2026 5.0 Bookkeeping & Month-End Workflows. Automations. Onboarding with new Clients and engaging with them through an easy to access Client Portal. Being able to add and automate our Proposal & Contract process here as well as time-tracking staff time, invoicing and managing Client profitability all in one place is amazing! Pros Financial Cents has so much functionality to be an all-in-one practice management software for our Client Accounting Services company. Also the collaboration between members is amazing! Sharing workflow templates is fantastic! Cons The price point is a bit high for smaller firms just getting started and it does not have the full Financial Statement connectivity yet to QBO to perform balance sheet reconciliations or general financial review. Review Source TB Tonia B. Managing Member Used the software for: Less than 1 year ### "A practical and effective workflow tool for accounting firms" June 16, 2026 5.0 The software is easy to use and gives our team better visibility into what needs to be done. I especially appreciate the ability to manage client requests and keep follow-ups organized. This has helped us reduce missed items and improve accountability across the firm. Pros Financial Cents has been a very helpful workflow management tool for our accounting firm. It allows us to organize client work, assign tasks, monitor deadlines, and track the status of recurring projects much more efficiently. Cons If there was one feature I wished FC had, it would be the ability to tie documents directly to our NAS rather than having to integrate Google Drive. Review Source Aaron S. CPA Used the software for: Less than 1 year ### "Useful workflow management tool for accounting firms" December 19, 2025 5.0 Overall, Financial Cents has been a positive addition to our workflow. It improves organization, supports better deadline management, and helps streamline day-to-day operations within the firm. Pros Financial Cents helps keep client work organized and provides clear visibility into tasks and deadlines. It is well suited for tax and accounting firms and helps reduce the risk of items being missed during busy periods. Cons Client reminders are sent from a Financial Cents email address rather than directly from the firm’s email, which can occasionally be confusing for clients. Review Source Erin G. CEO Used the software for: Less than 1 year ### "Financial Cents - changing our Accounting firm" January 21, 2026 5.0 We have really enjoyed it and only 4 months in. It has increased our transparency as to what everyone is working on. Pros Ease of use and project collaboration is bar none. Task Management really puts it all in one place. Cons Nothing "yet", there are a few odds and ends, for instance, email integration can not be done with shared mailed boxes, but I feel they'll get there! Review Source R Reviewer Owner-Founder Used the software for: I used a free trial ### "Great software. " March 31, 2026 5.0 Overall, my experience with Financial Cents has been positive. The platform is well-structured and helpful for organizing workflows and managing tasks. It provides a solid foundation for operational processes, although there is room for improvement in flexibility and pricing options. Pros What I liked most about Financial Cents is how well it helps organize workflows and tasks in one place. It provides clear structure and visibility into ongoing work, making it easier to manage deadlines and keep the team aligned. Cons What I liked least was the pricing flexibility. Currently, the requirement for annual payment, along with the lack of monthly pricing and multi-currency options, makes it a bit challenging to fully evaluate the platform before committing. I would have preferred the ability to start on a monthly plan to better assess fit before moving to an annual agreement. Review Source TT Travis T. Bookkeeper Used the software for: Less than 1 year ### "Financial Cents Has It All" January 14, 2026 5.0 My overall experience with Financial Cents has been great! When I first started my business I signed up with them and never used the system. Now that its been some time and I returned because it has everything I need to run my business Pros Financial Cents has everything you need in one place, from the time tracking to payment processing, task management, project management, this system has it all! Cons not having a monthly plan for the subscription, I wish there was a monthly subscription for those small businesses like myself that can't afford to dish out $1,600 at once Review Source cS cindy@ecaccounting.com S. CPA Used the software for: 3-5 years ### "Financial-Cents has been a game-changer for our firm" October 10, 2025 5.0 Financial-Cents has been a game changer for our firm. It helps our team stay organized and makes it easy to stay on top of all the work we need to do. We’ve set it up so that each project has clear, step-by-step workflows, which makes everything much easier to follow. One of my favorite features is the automation. We can automatically send updates to clients when certain steps of a project are complete, which saves us time and keeps clients in the loop. The client tasks feature is also fantastic. Our clients get a clear checklist of what we need from them, with built-in reminders. For recurring requests each month, we’ve automated those too. Our clients love how smooth and straightforward the process feels. The chat feature works beautifully for client communication, and I really appreciate the customization options that allow us to tailor the system to fit our firm’s needs. On top of that, the team behind Financial-Cents genuinely listens to their users. They’re constantly adding new features and improvements based on feedback. Their monthly “feature recap” meetings are amazing as well because they share updates and also take the time to answer questions and hear our opinions live. Overall, Financial-Cents has improved our organization, client communication, and workflow efficiency tremendously. I would highly recommend it to any firm looking for smoother processes and stronger client relationships. Pros Organized workflows – Projects set up with clear, step-by-step processes. Automations – Automatically send client updates when project steps are completed. Client tasks – Clients receive checklists, reminders, and recurring monthly requests. Client chat – Smooth, built-in communication with clients. Customization – Flexible setup tailored to our needs. Recats - links with QBO to pull uncategorized transactions and request info from clients. User-focused development – Regularly adds features and improvements based on feedback. Feature recap meetings – Monthly live sessions to share updates, answer questions, and gather user opinions. Cons File storage - you cannot open files in native apps (Excel, Adobe) without downloading them first. They are continually making improvements so I'm hoping they'll add this feature soon! Review Source Verified Reviewer CEO and Strategic Bookkeeper Used the software for: Less than 1 year ### "Game Changer" September 23, 2025 5.0 Financial Cents, despite the few areas it's lacking, has been a game changing experience for me. It's user friendly with a clean layout, detailed yet easy to understand help section and a support team that is quick to respond and pleasant to interact with when there are times when issues arise. Pros There are many things I love about Financial Cents. Client communication is seamless, automated task reminders are easy to set, invoicing features all in one portal for my clients, secure document storage and requests. I also love how Financial Cents collaborates with their own clients (us bookkeepers and accountants) in regards to feedback and new features. They regularly update their roadmap and inquire when new features are being considered so they can build the best product for their audience. Cons There are a few features I wish FC had that other platforms do- namely, it's lacking comprehensive month-end closing features (such as what is found in Keeper) and the invoicing is great, however lacks progress billing and payment plans. It also only integrates with QuickBooks Online for their ReCats feature which means for clients using other accounting software such as Xero, additional tech is needed to perform the same task increasing overhead costs. Review Source Montana H. Owner Used the software for: Less than 1 year ### "Streamlined Solution for Bookkeeping Needs" September 23, 2025 5.0 As a solo bookkeeper running Limitless Bookkeeping LLC, I switched from HoneyBook’s frustrating workarounds to Financial Cents, and it’s been a great choice (9.5/10). The client portal is simple and secure, letting clients upload payroll files without needing a login, which saves me hours. The QuickBooks Online integration works perfectly, syncing invoices and data smoothly for my bookkeeping and payroll tasks. File management is excellent, with organized folders that make collecting and storing monthly reports a breeze. Financial Cents is much better than HoneyBook or QuickBooks for client management, and I recommend it to any bookkeeper, solo or larger firms. It’s still improving, but their US-based support is responsive. I’ll keep using it as my business grows! Pros The portal’s ease of use, reliable QBO integration, and SOC 2 Type II security give me confidence in protecting client data. After upgrading my plan, it’s still affordable and ready for when I hire help. Cons Adjusting timesheets for hourly tasks is a hassle unless I create a project first, which feels unnecessary for quick jobs. I also wish I could see when clients view invoices, like in QuickBooks. Review Source Angeliese W. Owner and Founder Used the software for: Less than 1 year ### "Extremely Useful Workflow Manager" September 23, 2025 5.0 Financial Cents has been an incredibly useful tool in helping me to cut down on time spent on client work, maintain communications, and keep my clients in the loop with their side of the expectations. I have been using it to process payments for about 6 months now, and that has been a great experience. I am still utilizing all of the different pieces of financial cents, but I don't see dropping the tool any time soon. Pros I really enjoy each feature that I have access to. It is very easy to get started with and to transition clients into. I love that I can manage documents, passwords, client communications, set up recurring or non-recurring templates with recurring monthly tasks for each client. I think the integration between QuickBooks for both quick access to the client file in QuickBooks and the chart of accounts, transaction connection is extremely useful. The customer service team has been helpful every time I have reached out. Cons I wish I had access to the account that receives deposits without having to go through support, and I really wish there was an option to invite team members to the lower tier option. Review Source LK Lalit K. Senior Accoutant Used the software for: Less than 1 year ### "Comprehensive accounting client and project solution" September 22, 2025 5.0 Overall our firm is very satisfied. The onboarding was a breeze. Switching over and transition period was very smooth. Pros I like that it is easy to use. The Financial cents team is very responsive to feedback. They often create customized solution for our specific needs. I love that there are many pre-built templates that make the project tracking faster. Cons There is not much that I dislike. Only feedback I have that it could be too customizable rather than more rigid processes. Review Source Claire F. Owner Used the software for: Less than 1 year ### "Great platform, but room for improvement in task management and document storage" October 10, 2025 4.0 I’ve been really pleased with Financial Cents overall – it’s user-friendly, intuitive, and has helped streamline a lot of my firm’s workflows. The platform makes client management and project tracking much smoother, and it’s been a great fit for our team. That said, I do wish the task management system was a bit more robust. It gets the job done, but some additional flexibility and features would really elevate it. Another area that would add a lot of value is having a dedicated space to store internal firm documents, like SOPs and reference materials, so everything could live in one place rather than across multiple tools. Overall, it’s a solid product that has already made a positive impact on our operations, and with a few enhancements, it could be even more powerful. Pros Financial Cents is intuitive, easy to use, and has really streamlined our workflows. Client management and project tracking are much smoother now, and it’s made a noticeable impact on our efficiency. Cons The task management system works, but it feels like it could be more robust and flexible. I also wish there were a built-in place to store internal firm documents, like SOPs and reference materials, so we wouldn’t need to rely on other tools for that. 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