Stop guessing. Start knowing.
CentsOf.AI is an AI-powered financial intelligence platform built for small businesses. Connect QuickBooks in under 5 minutes and get instant answers on cash flow, profitability, payroll, you name it. Ask in plain English, get answers backed by your real numbers. No accountant, no MBA, and no guesswork required.
Setup in under 5 minutes
Monthly Revenue
$84,320
+12.4% vs last month
Expenses
$41,180
-3.1% vs last month
Profits
51.2%
+4.7% vs last month
Cash Position
$127,540
+8.9% vs last month
Ask FREM Anything About Your Business
FREM reads your QuickBooks and answers in plain English with every number traced back to the transaction behind it.
Questions rotate automatically · Click dots to explore
Every Cent. Total Sense.
An AI-powered financial intelligence platform built for small businesses
Cash Flow Health Score
A 0-100 composite score across six weighted components: cash runway, A/R collectability, expense control, revenue trend, overhead ratio, and margin health. Each component earns a letter grade and a FREM insight targeting the weakest signal. Strong owner engagement hook and the engine behind the free Cash Flow Health Quiz.
- 0-100 score with A-F letter grade across six weighted components.
- FREM insight for every weak signal, not just a number.
- Powers the free Cash Flow Health Quiz for lead generation.
- Benchmarked against your prior periods so progress is visible.
Grade
D
6 weighted components
Expense Control and Overhead
pulling your score down
FREM insight: Bring Overhead Ratio below 60% to lift your score to B+
Production (30d)
$42.8K
On trackCollections rate
96.4%
Above 95% targetSupply % revenue
5.8%
Below 6% benchmarkOverhead rate
61.2%
Within rangeMonth-to-date production vs collections
Good morning. 30d production is $42.8K across 187 patients.
Collections rate 96.4% — above your 95% target.
Supply spend at 5.8% of revenue, within benchmark.
Top procedure: D0150 generating $4.2K this period.
Operations Console: Dental + Medical
One screen with every clinical number you need before the first patient arrives. Production vs collections, procedure mix by ADA code, overhead rate, and a FREM morning briefing docked on the right. Clinical KPIs built specifically for dental and medical practices.
- 30-day production and collections with trend vs target.
- Procedure mix by ADA code, revenue-weighted donut chart.
- Overhead rate, supply % of revenue, and collections rate.
- FREM docked and briefing you every morning from your actual data.
Operations Console: Services + Jobs
One screen with every number a contractor or home service business needs before the day starts. Active jobs, team assignments, job costing, revenue by job type, payment mix, and FREM docked on the right with a green-coded morning briefing. Built for roofing, HVAC, plumbing, landscaping, and any field service business running QuickBooks.
- Active jobs list with customer, job type, and revenue at a glance.
- Revenue by job type, payment mix, and 30-day business pulse.
- Team assignments, overhead by category, and supply spend.
- FREM docked and briefing you every morning from your QuickBooks data.
Total Revenue (30d)
$42.4K
6 customersCollections rate
100.0%
Above 95% targetSupply % revenue
0.0%
Below 6% benchmarkOverhead rate
13.0%
$5.5K/moRecent jobs
Flat Roof - TPO Membrane
Johnson Property
Shingle Replacement
Smith Residence
Emergency Repair
Davis Commercial
Flat Roof - TPO Membrane
Park LLC
Good morning. 30d revenue is $42.4K across 6 customers.
Collections rate 100.0% — above your 95% target.
Top job type: Flat Roof - TPO generating $18.6K.
Supply spend at 0.0% of revenue, well below benchmark.
More features
Ask FREM
Ask any financial question in plain English and get instant answers backed by your real data.
Smart Dashboards
Real-time P&L, cash flow, and KPIs in one clean view, updated with every sync.
FREM Intelligence
Weekly AI-curated insights ranked by urgency, surfacing risks before you think to ask.
Anomaly Alerts
FREM watches your financials 24/7 and flags expense spikes, revenue dips, and runway risks.
A/R & Cash Flow Aging
Full aging buckets by customer, DSO/DPO, 90-day exposure flagged, and a 13-week cash forecast.
Scenario Planning
Model a new hire, equipment buy, or price change against your 13-week forecast before you commit.
Seamless Integrations
QuickBooks, Square, Stripe, Shopify, PayPal, FieldPulse, and more. OAuth-secured, always syncing.
Executive Reports
P&L statements, cash flow summaries, and board-ready reports generated in seconds from live data.
Beyond Accounting. Inside Your Operations.
Other tools read your old QuickBooks ledger. CentsOf.AI connects to your live supply chain, store queue, and invoices — catching problems before they ever hit the books.
Invoice Intelligence
SupplyIQ connects to your Gmail and automatically parses every supply invoice from Amazon Business, Net32, and more. Every line item, every vendor, every price change — spotted instantly.
Zero manual entry required.
Store Operations, Not Just Revenue
Other tools see your Shopify total. CentsOf sees your unfulfilled order queue, refund velocity, top-margin products, and inventory exposure. These are the operational signals that actually drive profit.
Real-time order & refund tracking.
Ask Anything, Get the Full Picture
FREM doesn't just query your accounting software. It reasons across all your connected data sources at once, synthesizing supply costs, sales trends, cash flow, and anomalies into one plain-English answer.
Multi-source AI reasoning.
Enterprise Grade Security. Built In From Day One.
Connecting your financial data is a serious decision. We protect it. No fine print, no vague promises.
Bank-Grade Encryption
256-bit AES encryption in transit and at rest. The same standard used by financial institutions.
Strict Read-Only Access
CentsOf.AI connects via OAuth and can only read your data. It can never move money or change records.
Secure OAuth Integrations
Every platform connection uses industry-standard OAuth 2.0. Your credentials are never stored by us.
SOC 2 Compliance Preparedness
Built on enterprise infrastructure following SOC 2 security principles that are designed for your peace of mind.
Zero Black Boxes
FREM shows you the exact data and calculation logic behind every insight. No mystery, no guesswork.
Your Data Stays Yours
We never sell, share, or train on your financial data. Your business information is used only to serve you.
One plan, everything included
per business · 7-day free trial · cancel anytime
Need FieldPulse or SMRT? See industry add-ons
What you get
Ask FREM
AI CFO: ask anything about your finances in plain English, get answers from your real numbers
Cash Flow Health Score
0-100 score with A-F grade and a FREM insight for every weak signal
Scenario Planning
Model any what-if decision against your 13-week cash flow before you commit
Aging & Cash Flow Forecast
A/R Aging, A/P Aging, and 13-week projected cash position week by week
Operations Console: Dental + Medical
Clinical KPIs, procedure mix, and industry-specific FREM insights
Operations Console: Services + Jobs
Job costing, team assignments, and field service profitability tracking
Executive Reports
Board-ready P&L, cash flow, and expense reports generated automatically
QuickBooks, Stripe, Shopify, Square, PayPal
All major accounting and payment platforms included in the base plan
What this replaces
Fractional CFO
$3,000–$10,000/moLimited hours, monthly meetings, no 24/7 access
Monthly spreadsheet ritual
4–8 hours/moManual P&L reconciliation, pivot tables, copy-paste errors
Gut-feel business decisions
One bad call = months of damageScenario Planning shows projected cash impact before you hire, buy, or expand
Industry-specific software stacks
$300–$800/moSeparate tools for job costing, clinical KPIs, or route profitability -- all built in
Bookkeeper for insights
$500–$1,500/moRecords transactions but rarely answers why cash is down
Generic BI dashboards
$200–$800/moPowerful but require setup, training, and an analyst to interpret
Flying blind on cash flow
Priceless (in a bad way)The 13-week forecast and Health Score tell you exactly where you stand, every week
CentsOf.AI does not replace your accountant for tax filing. It replaces the guesswork between their visits.
Works With QuickBooks, Shopify, Stripe, PayPal & Your Existing Tools
CentsOf.AI plugs directly into the software you already use, no migration, no hassle.
Already using QuickBooks?
QuickBooks records your numbers. CentsOf.AI explains what they mean. Connect in one click and start asking FREM questions QuickBooks can never answer, like "Can I afford to hire?" or "Why did profit dip last month?"
What's New
Latest Release
From the Blog
Latest Article
Your Dental Supply Spend Ratio Is Probably Wrong (And It’s Costing You)
Most dental practices only learn their supply spend ratio at month-end, when it’s too late to act. Here’s how to track it in real time with CentsOf.AI and SupplyIQ.
Frequently Asked Questions
Everything you need to know about CentsOf.AI
1Will this replace my accountant?
No, and it is not trying to. Your accountant handles tax filing, compliance, and year-end work. CentsOf.AI handles the space between their visits: the weekly cash questions, the margin dips, the payroll timing decisions. Most of our customers say FREM makes their accountant more effective because they show up with better questions.
2What if I don't use QuickBooks?
QuickBooks Online is the primary integration, but CentsOf.AI also connects directly to Stripe, Shopify, Square, and PayPal. If your business runs on one of those platforms, you can get real-time revenue and transaction data without QuickBooks at all. Support for additional accounting platforms is on the roadmap.
3Is my data safe if I cancel?
Yes. You can export your data at any time from your account settings. If you cancel, we retain your data for 30 days in case you change your mind, then delete it permanently on request. We do not sell your data, ever, to anyone.
4What if my books are a mess?
FREM works with whatever data your accounting software has. It will flag gaps, uncategorized transactions, and inconsistencies as part of its analysis, which many customers say is the most useful thing it does in the first week. You do not need clean books to get value, but FREM will help you get there.
5How is this different from a dashboard I could build in Excel?
A spreadsheet shows you numbers. FREM explains what the numbers mean and what to do about them. It reads your actual transaction history, compares it to your goals and prior periods, and tells you specifically why cash is down or where margin is leaking. It also answers follow-up questions. No spreadsheet does that.
Financial clarity starts here.
Your finances, finally making sense. Connect your accounts and let FREM do the rest.
Start 7-Day Free Trial