The Financial Cents alternative that also bills, screens and plans
Financial Cents is a clean workflow and time tracker on 12-month agreements. ZenWorkflow adds invoicing, credit notes, staff leave, AML/KYC and multi-entity support, billed monthly from €39 per user.
Choose ZenWorkflow if you want
- Invoices, estimates and credit notes generated from the work itself
- AML/KYC and client ownership records for regulated work
- Monthly billing instead of a 12-month agreement
- A firm outside the US, or one that does not use QuickBooks Online
Financial Cents is the better fit if
- You want a very simple task tracker and already invoice elsewhere
- Deep QuickBooks Online integration is essential
- A solo practitioner on the $19 plan
- You like its client portal and document-request flow
ZenWorkflow vs Financial Cents at a glance
Financial Cents is a tidy, affordable workflow tool. ZenWorkflow covers the rest of the firm as well.
| ZenWorkflow | Financial Cents | |
|---|---|---|
| Pricing | From €39/user/month | From $19 solo, $49/user/month Team (5 min.) |
| Free plan | Free plan for one user and 10 clients | |
| Workflow and job management | Templates, checklists, owners, budgets and approvals | Projects, recurring work, templates |
| Client records and ownership | Contacts, directors, shareholders, ownership and history | Client list and portal |
| Time tracking and timesheets | Weekly timesheets with submit-and-approve | Time tracking and profitability |
| Invoicing, estimates and credit notes | Invoices, estimates, credit notes and receipts | Invoicing on higher tiers; no estimates or credit notes |
| AML/KYC screening and risk assessment | PEP and sanctions screening, risk assessments, document expiry | |
| Staff leave and capacity | Requests, balances and a team leave calendar | |
| Multiple firms or entities | Several firms or entities from one login, fully isolated | One firm per account |
| Client portal | Secure magic-link sharing, no full client portal | Client portal and document requests |
| Integrated email inbox | Gmail and Outlook integration | |
| Document storage | Per-client files, Google Drive sync | Document requests and storage |
| AI assistant | In-app assistant plus Claude and ChatGPT connection | Limited |
| Reporting | Capacity, profitability, compliance and billing reports | Workload and profitability |
| Contract | Monthly or yearly, no minimum seats | 12-month agreement; Team has a 5-user minimum |
Financial Cents details from its public pricing and feature pages and independent reviews, checked October 2026. Plans change: confirm on their site before deciding.
From €39/user/month (Practice) or €58/user/month with AML/KYC, billed monthly or yearly.
Everything is included at each tier: workflows, clients, time, billing, leave, reporting and the AI assistant, with AML/KYC on the Practice + AML plan. There are no per-module fees and no minimum number of users, and the free plan covers one user and ten clients.
Solo $19, Team $49 and Scale $69 per user per month, billed yearly.
Team needs at least five users and costs $69 monthly if you avoid the yearly plan; Scale is $89 monthly. All plans sit on a 12-month agreement. Workflow, time tracking, a client portal and QuickBooks Online integration are included; AML/KYC, staff leave and native credit notes are not.
Why firms move from Financial Cents
It is easy to like. Firms outgrow it when billing and compliance need to live with the work.
Billing is thin
No estimates or credit notes, and invoicing depends on tier. ZenWorkflow has the full invoicing suite on every plan.
No AML/KYC
Regulated firms keep compliance in a second tool. ZenWorkflow screens and risk-assesses on the client record.
12 months, five seats
Yearly agreements and a Team minimum of five users. ZenWorkflow bills monthly per user from one seat.
US and QuickBooks first
Its integrations centre on QuickBooks Online. ZenWorkflow is built for EU and international firms.
The invoicing suite, included
Estimates that convert when accepted, invoices built from tracked time and fixed fees, credit notes, receipts and a clear outstanding ledger, all generated from the engagements you already run.
Ownership, not just a contact card
Directors, shareholders, beneficial owners and company history on every client, which is what AML reviews and corporate work actually need.
Screening and risk assessment built in
PEP and sanctions checks on clients and related parties, structured risk questionnaires and document expiry tracking, with a defensible history.
Switching from Financial Cents in three steps
Guided onboarding imports your data and validates it with you before go-live. Most firms are running within a few weeks.
Export your clients and projects
Download clients and project lists to CSV from Financial Cents before your agreement renews.
Import into ZenWorkflow
Import clients, contacts and open jobs; add directors and shareholders where you have them.
Templates and go live
Recreate recurring projects as templates and run the next month from ZenWorkflow.
Switching from Financial Cents?
What to export, how long it takes and what changes for your team, in one guide.
ZenWorkflow vs Financial Cents: questions firms ask
Straight answers on pricing, migration and where each tool wins.
Yes if you want invoicing, credit notes, AML/KYC and staff leave alongside workflow and time. If you only need a simple task tracker with QuickBooks Online integration, Financial Cents remains a good, cheaper fit.
Solo is $19, Team $49 and Scale $69 per user per month on yearly billing, with Team needing at least five users and monthly billing costing more. All plans are 12-month agreements.
Its client portal and document-request flow, QuickBooks Online integration and a lower solo price. ZenWorkflow shares information with clients through secure links rather than a full portal.
Yes. Export clients and projects to CSV and import them into ZenWorkflow with guided onboarding.
The Practice plan is €39 per user per month, or €390 per user per year. Practice + AML, which adds PEP and sanctions screening, risk assessments and KYC document tracking, is €58 per user per month or €580 per year. A free plan covers one user and ten clients, and every paid plan starts with a 14-day free trial. There are no module fees or minimum seat counts.
Yes. ZenWorkflow is built in the EU and is used by accounting, audit, tax, legal and corporate-services firms across Europe and beyond. It bills in EUR or USD, supports multiple entities from one login and includes the AML/KYC due-diligence that EU and UK regulated firms need, without a US-tax or Companies-House-only focus.
Yes. Start a free trial with no credit card, import a handful of clients and run one real engagement end to end. Book a demo if you would rather see your own workflows set up first.
See how ZenWorkflow compares with other tools.
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See ZenWorkflow next to Financial Cents on your own work
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