PerfectCents combines planning, account tracking, savings, recurring money, and reporting in one private workspace—without giving a third party access to your bank.
Build a monthly zero-based plan with custom groups and categories, editable assignments, available balances, progress bars, and clear over-budget warnings.
Keep checking, savings, cards, retirement, investment, and crypto separate—with individual balances, histories, provider links, and safely masked account details.
Understand cash flow and financial momentum through multiple reports, responsive charts, hover details, and a detailed Sankey-style flow view.
Create goals, change targets and dates, add or remove progress, and see the monthly pace needed to reach each milestone.
Schedule paychecks, bills, and subscriptions. Split one paycheck across multiple accounts and auto-post each inflow or outflow when it is due.
Filter by date or date range and export your own information to CSV or a polished PDF report that can include your profile details.
Each authorized email gets an isolated workspace. Administrators control access and roles without gaining visibility into another member’s financial records.
A clear interface, large click targets, guided forms, avatar cropping, and plain-language feedback make the app approachable for every generation.
PerfectCents is designed for people who want the organization and insight of a modern financial app without connecting a financial institution. You decide what to enter, what to export, and who can sign in.
Every preview uses invented names, accounts, and balances so you can explore safely.