Financial operating system / AI CFO
Know exactly where your company stands.
OwnCents brings cash, revenue, spend, runway, forecasts, accounting, and financial operations into one intelligent system — with an AI CFO that helps you understand what changed, why it matters, and what to watch next.
Secure payments through Stripe. Read-only demo available without signup.
Company overview
Northstar Cloud · Illustrative data
Cash
$482,000
Across visible accounts
Runway
15.1 mo
Base plan
Revenue
$126,000
MRR, +6.8%
Operating Spend
$158,000
This month
Needs attention
- Overdue invoices3
- Bills due this week2
AI CFO
“Collections moved runway more than hiring this month.”
Illustrative dashboard showing cash, runway, revenue, operating spend, attention items, and an AI CFO summary. Values are fictional.
Built for serious financial data
Encrypted data
Role-based access
Enterprise SSO
SCIM provisioning
Audit trails
Controlled workflows
Financial command center
Your entire financial picture, finally in one place.
Five questions decide most financial conversations. OwnCents keeps every answer current and connected to the records behind it.
Cash position
$482,000
Across every visible account, normalized daily
Illustrative sample data. Every answer stays linked to the records behind it.
The product system
One system for every part of finance.
Money, Sales, Spend, Planning, and Finance work from the same normalized data — one financial language from first transaction to financial Close.
Current cash, without the account-by-account math.
Balances, transactions, and movement resolve into one normalized cash position you can actually reason about.
Cash position
$482,000
Across visible accounts
AI CFO
Understand the story behind your numbers.
OwnCents organizes financial signals into what changed, why it matters, and what to watch. Deterministic services retain calculation authority; people retain approval authority.
- Ground answers in available workspace context
- Separate observations from forecasts and assumptions
- Trace important conclusions back to financial records
AI CFO
Grounded in your available workspace data
Raw signals
- Revenue+8.4%
- Operating spend+14.2%
- Overdue invoices3
- Runway-1.3 mo
The OwnCents reading
What changed
Revenue grew, but operating spend grew faster and three invoices slipped past due.
Why it matters
Collections timing—not hiring—drove most of this month's 1.3-month runway decline.
What to watch
If the overdue invoices settle this month, runway recovers most of the decline.
AI output requires human review. It cannot approve, post, close periods, change ownership, or move money.
Financial operations
From visibility to financial operations.
Work moves through explicit states with human approval at every consequential step. AI never performs authoritative financial actions.
- 01
Transaction
Normalized activity enters the system with its source
- 02
Accounting
Balanced journals are prepared, reviewed, and approved
- 03
Reconciliation
Books are matched against external evidence
- 04
Reporting
Statements derive from the immutable ledger
- 05
Close
Periods lock once checks and reviews complete
Payments shown in OwnCents are records of externally executed settlement evidence. OwnCents does not initiate, schedule, authorize, transmit, or distribute payments.
Cash scenarios
12 monthsPlanning and runway
See what happens next.
Connect cash, burn, hiring decisions, and revenue growth to forecast and runway — and compare scenarios against one authoritative baseline.
- Net burn
- $32k/mo
- Hiring impact
- +$36k/mo
- Downside runway
- 9.4 mo
Forecasts are hypothetical estimates and can be wrong. Payroll accounting is not payroll execution, tax filing, or employee payment.
Enterprise readiness
Simple enough to start. Structured enough to scale.
Keep Legal Entity accounting boundaries explicit, coordinate intercompany work, and derive traceable consolidated reporting — with enterprise identity and audit controls.
- Team permissions
- Enterprise SSO
- SCIM provisioning
- Service accounts
- Auditability
North America
Entity ledger 1
Europe
Entity ledger 2
APAC
Entity ledger 3
Derived group reporting
Intercompany activity resolves into traceable consolidated statements without rewriting member ledgers.
Sample data · Read-only
Explore OwnCents with a fully populated sample company.
See cash, revenue, spend, invoices, bills, forecasts, runway, headcount, and AI CFO insights — no account required.
The public demo is read-only and contains no customer data.
Cash
$482k
Runway
15.1 mo
MRR
$126k
Pricing
One decision it pays for.
AI CFO is included in every plan. Self-serve plans start with a 7-day trial.
Starter
Self-serve with a 7-day trial.
Billed annually at $278.40
Cancel any time during the trial
- AI CFO included
- 1 legal entities
- 2 team members
- 5 financial accounts
Growth
Most PopularSelf-serve with a 7-day trial.
Billed annually at $950.40
Cancel any time during the trial
- AI CFO included
- 3 legal entities
- 10 team members
- 20 financial accounts
Scale
Self-serve with a 7-day trial.
Billed annually at $2,870.40
Cancel any time during the trial
- AI CFO included
- 10 legal entities
- 50 team members
- 50 financial accounts
Enterprise
Sales-led pricing with limits tailored to your organization.
Priced to your organization
Custom terms and onboarding
- AI CFO included
- Custom legal entities
- Custom team members
- Custom financial accounts
Prices in USD. Self-serve plans include a 7-day trial and convert automatically unless cancelled beforehand. Subscription fees are non-refundable except where required by applicable law — see our refund policy.
Security
Built for serious financial operations.
OwnCents keeps sensitive provider access server-side, scopes business data by workspace, and applies authentication and permission checks to protected workflows.
View security & complianceEncrypted data
Encrypted transport with server-side provider credentials
Workspace isolation
Business data stays scoped to its workspace and entities
Role-based permissions
Protected actions verify identity and role
SSO and SCIM
Enterprise identity and controlled provisioning
Audit trails
Sensitive activity is recorded for review
Separation of duties
Approval boundaries around consequential work
Run your company with financial clarity.
Stop piecing together your financial picture across bank accounts, spreadsheets, invoices, forecasts, and disconnected tools.