EVERYTHING IN ONE PLACE

Powerful Enough for the Details. Simple Enough for Family.

PerfectCents combines planning, account tracking, savings, recurring money, and reporting in one private workspace—without giving a third party access to your bank.

01

Plan Every Dollar

Build a monthly zero-based plan with custom groups and categories, editable assignments, available balances, progress bars, and clear over-budget warnings.

  • ✓Custom groups and categories
  • ✓Group-aware category menus
  • ✓Monthly planning and rollover visibility
  • ✓Tags for cross-category reporting
02

Track Every Account

Keep checking, savings, cards, retirement, investment, and crypto separate—with individual balances, histories, provider links, and safely masked account details.

  • ✓Checking and savings
  • ✓Credit cards
  • ✓401(k) and retirement
  • ✓Investments and crypto
03

See the Full Picture

Understand cash flow and financial momentum through multiple reports, responsive charts, hover details, and a detailed Sankey-style flow view.

  • ✓Income vs. spending
  • ✓Spending by group and category
  • ✓Savings rate and net worth
  • ✓Account mix and cash-flow map
04

Make Saving Easier

Create goals, change targets and dates, add or remove progress, and see the monthly pace needed to reach each milestone.

  • ✓Editable target amounts
  • ✓Editable target dates
  • ✓Add or withdraw progress
  • ✓Suggested monthly pace
05

Automate the Manual Work

Schedule paychecks, bills, and subscriptions. Split one paycheck across multiple accounts and auto-post each inflow or outflow when it is due.

  • ✓Split paycheck deposits
  • ✓Recurring bills and subscriptions
  • ✓Automatic account updates
  • ✓Posted calendar history
06

Own Your Records

Filter by date or date range and export your own information to CSV or a polished PDF report that can include your profile details.

  • ✓CSV exports
  • ✓Designed PDF reports
  • ✓Custom date ranges
  • ✓Profile details in reports
07

Private by Design

Each authorized email gets an isolated workspace. Administrators control access and roles without gaining visibility into another member’s financial records.

  • ✓One-time email-code login
  • ✓Separate private workspaces
  • ✓Encrypted financial fields
  • ✓Masked account and routing numbers
08

Made for Real Families

A clear interface, large click targets, guided forms, avatar cropping, and plain-language feedback make the app approachable for every generation.

  • ✓Accessible navigation
  • ✓Built-in photo cropping
  • ✓Private profile and trusted contact
  • ✓No bank connection required
NO PLAID. NO BANK LOGIN. NO SURPRISE ACCESS.

Your information stays intentionally manual and private.

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.

SEE IT BEFORE YOU SIGN IN

Take the five-screen product tour.

Every preview uses invented names, accounts, and balances so you can explore safely.

View the Product Tour →Sign In