Financial Cents vs Liscio (2026): which should you pick?
As of Nov 13, 2026, Financial Cents grades higher than Liscio: 2.4 against 2.0 out of 4.0.
Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA
Financial Cents grades higher on the free plan. They get the same grade on value for money, features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Financial Cents
Practice management for accounting and bookkeeping firms
Which one is for you
Pick Financial Cents if
- Fits if you run a one-person practice and want one tool for tasks, billing and the client portal
- Makes sense if your firm already uses Drake, UltraTax or CCH Axcess
Look elsewhere if
- Too light for you on Solo if you have staff, as it is for single-user firms only
- Pricey if you need Zapier, the open API, shared inbox or tax-software links, which start on Scale at $69 per user
- Tight if you want to bill monthly, as it needs at least 5 users
- Watch out: all plans are a 12-month agreement
- Watch out: webhooks and IP whitelisting are Enterprise only, sold through sales
Pick Liscio if
- Fits if your firm collects client documents and tax organizers every season
- Makes sense if you want files sorted into client folders on arrival
Look elsewhere if
- Not for you if you want to try it first, as there is no self-serve sign-up or free trial
- Pricey if you send many organizers, at $7 each unsent in a bundle or $4 to $5 in prepaid bundles
- Tight if you want monthly billing, since monthly plans are only available by contacting Liscio
- Watch out: knowledge-based authentication for e-signature costs $2 per signer and a firm website is $29 a month
- Watch out: Outlook and Gmail integration, tasks and e-signature need the $49 Platform plan
How we grade them
| 2.4GPAFinancial CentsFair | 2.0GPALiscioFair | |
|---|---|---|
| Value for money | CSolo is $19 a month billed annually, inside the typical range. Team is $49 and Scale $69 per user, and a five-person firm on monthly billing pays $345. | C$19 per user a month for File Intelligence and $49 for the Platform, both billed annually, inside the typical range. Per-use charges for organizers add to it. |
| Free plan and trial | CA 14-day trial with no card, and no free plan. | FThere is no free plan and no self-serve trial; the page points to a booked demo. |
| Features | BWorkflows, client portal, document management, time tracking, invoicing, proposals and e-signatures cover the whole job of running a practice. | BFile intake and naming, messages, client tasks, tax organizers, e-signature and cloud storage connections cover the whole client-portal job. |
| Ease of use | CA web app where you build workflows, tags and templates for your own firm, and no store rating on record. | CA web app where you set up client folders, branding and organizers, with onboarding on the Platform plan, and no store rating on record. |
| Platforms and integrations | BWeb only, with QuickBooks Online, SmartVault, Google Drive, OneDrive, Zapier and links to Drake, UltraTax and CCH Axcess. | BWeb only, with OneDrive, Google Drive, Box, SmartVault, Outlook, Gmail and SharePoint. |
| Best for | practice management for small accounting firms | a client file and message portal for tax firms |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Financial Cents and Liscio. How we grade
Price against what you get
Financial Cents starts at $19 a month and scores 2.7 out of 4 on features, ease of use and platforms. Liscio starts at $19 a month for each person and scores 2.7.
On this chart the two sit in the same place: the same score for the same starting price. Of the other accounting and invoicing tools on the chart, 3 score higher than Financial Cents for less, and 3 score higher than Liscio for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Financial Cents also covers time tracking, invoicing and reports.
- Liscio also covers templates and file sharing.
At a glance
| Financial Cents | Liscio | |
|---|---|---|
| Pricing | Free trial | Paid |
| Starts at | $19 per month, billed annually (Solo, one user) | $19 per user / month, billed annually |
| Free plan | None | None |
| Free trial | 14-day free trial, no credit card required | None listed |
| Web | ||
| Made by | Financial Cents | Liscio, Inc. |
| Price read from | financial-cents.com | liscio.me |
| Checked | Nov 13, 2026 | Nov 13, 2026 |
Worth knowing
Financial Cents
- All plans are a 12-month agreement, and monthly billing needs a minimum of 5 users.
- The Solo plan is for single-user firms only.
- Zapier, open API, the shared inbox and tax-software links need the Scale plan.
- Webhooks and IP whitelisting are limited to the sales-only Enterprise plan.
Liscio
- Prices are per user and annual; monthly plans are available only by contacting Liscio.
- Tax organizers and deliveries cost $7 each unsent in a bundle, or $4 to $5 each in prepaid bundles, and need a Platform seat.
- Knowledge-based authentication for e-signature costs $2 per signer, and a firm website is $29 a month.
- There is no self-serve sign-up or free trial; the page points to a booked demo.
Key features
Financial Cents
- Workflows and to-do lists
- Recurring work is set up as workflows with task lists, and automations can create work and follow up on client tasks on higher plans.
- Client portal and requests
- Clients get a portal for secure file sharing and task requests; the Scale plan adds a branded portal.
- Time tracking and billing
- Time tracking feeds invoicing, with project-based billing and retainers, and files can be locked behind an invoice.
- Proposals and e-signatures
- Proposals, engagement letters and e-signatures are included, and Scale adds proposal packages with optional upsell services.
- Integrations
- Links to QuickBooks Online on all plans; Scale adds SmartVault, Zapier, OneDrive and Google Drive sync, and tax tools such as Drake and CCH Axcess.
- AI features and MCP
- The site lists AI features on every plan and a Financial Cents MCP in its product menu.
Liscio
- File Intelligence
- New documents are read, classified and named when they arrive, and existing folders can be moved in with their names and structure intact.
- Secure messages and timeline
- Each client has a timeline of secure messages and files, so requests and replies stay with the client instead of in email.
- Client tasks and requests
- Tasks, requests and due dates are sent to clients from the Liscio Platform plan.
- Tax organizers and delivery
- Smart tax organizers and tax deliveries are sold per item on top of a platform seat.
- E-signature
- E-signature is part of the Liscio Platform plan; knowledge-based authentication is an add-on.
- Cloud storage connections
- Files can be pulled from or sent to OneDrive, Google Drive, Box and SmartVault.
Plans
Financial Cents
Solo$19
per month, billed annually, for one user
Single-user firms only. Workflows, client portal, document management, time tracking, invoicing, proposals and e-signatures.
Team$49
per user / month, billed annually ($69 billed monthly)
Adds integrated email and unlimited tags, client groups and custom fields. Monthly billing needs at least 5 users.
Scale$69
per user / month, billed annually ($89 billed monthly)
Adds Zapier, open API, branded client portal, shared inbox, profitability reports and links to Drake, UltraTax and CCH Axcess.
EnterpriseCustom
Adds IP whitelisting, mandatory 2FA option, custom user permissions, webhooks, priority support and a dedicated success manager.
Liscio
File Intelligence$19
per user / month, billed annually
Files read, classified and named on arrival, existing folders moved in, secure file exchange and per-client file history.
Liscio Platform$49
per user / month, billed annually
Adds Outlook and Gmail integration, client tasks and requests, organizers, e-signature, custom branding and onboarding.
Tax EnterpriseCustom
For high-volume firms: custom File Intelligence routing to a document system, folders and naming rules, plus custom integrations.
Ways to pay less
Financial Cents
No public discounts listed.
Liscio
- Other savings
$4 tax organizers when bought by Nov 30
A limited-time offer prices Smart Tax Organizers at $4 each, at any volume, if bought by Nov 30; one Liscio Platform license is required.
Common questions
Which is cheaper, Financial Cents or Liscio?
As of Nov 13, 2026, Financial Cents starts at $19 per month, billed annually (Solo, one user), and Liscio starts at $19 per user / month, billed annually. One is priced for each person and the other is not, so which costs less depends on how many of you use it.
Which has a free plan, Financial Cents or Liscio?
As of Nov 13, 2026, neither Financial Cents nor Liscio has a free plan. Financial Cents has a free trial.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.