Combined financials in seven business days. Native operations whenever your team is ready.
Per-entity pricing with volume brackets — your last entity always costs less than your first. No per-user fees. No setup fees for the combined view. Published rates cover combined financials from trial balance uploads; native operations are scoped and quoted per entity.
Most multi-entity platforms are priced like the systems they evolved from — enterprise consolidation tools built to solve intercompany eliminations and minority interest calculations for multinationals. That problem genuinely costs $150K–$260K and takes six months to implement.
Most multi-entity groups don't have that problem. They have the combined problem: separate entities, separate books, and the need for one combined picture on Monday. Coherence is built for that problem — which is why our pricing looks like it does, and why you'll be live in seven business days.
If you need combined financials across independent entities — keep reading.
Five commitments. No exceptions.
Your last entity always costs less than your first.
Like income tax brackets, but inverted in direction. Each band's rate applies only to the entities within that band. Adding an entity always increases your bill. Your blended per-entity rate always falls. No cliffs, no thresholds, no gaming.
The brackets stack. A 12-entity portfolio pays $750 for entity #1, $650 for each of entities 2 through 5, and $500 for each of entities 6 through 12. Add them up:
$750 + ($650 × 4) + ($500 × 7) = $6,850 / month → $82,200 / yearThat's a blended rate of $571 per entity per month across 12 entities. At 18 entities the blended rate drops to $531. At 25 it's $494. The bigger you grow, the cheaper per entity — automatically, without a single negotiation. The chart below shows the curve.
Blended per-entity rate, as you grow.
Every additional entity pulls your average down. There's no plan to switch to, no contract to renegotiate. The math does it for you.
Drag to your portfolio. We'll do the math.
What the rate card looks like in practice.
Three portfolio shapes Coherence is built for. Each one at the published bracket rates, with the actual annual number, the go-live timeline, and what they typically displace.
5-entity portco group, combined visibility from day one.
12-entity manufacturing holdco, combined view across every entity.
18-entity fund, combined view from week one.
What you stop paying for.
The honest comparison isn't Coherence vs. other accounting software. It's Coherence vs. the stack you're carrying right now — the tools, the labor, the implementation invoices that compound silently each year.
The consolidation spreadsheet
30–60 hours per month of senior finance labor rebuilding the combined view by hand. Two-week-late closes. Board questions that take three days to answer.
The implementation invoice
Migration consultants, kick-off sprints, configuration weeks, training sessions. Standard for NetSuite OneWorld, Sage Intacct, and every other enterprise platform. There's nothing to implement for the combined view — your team uploads a chart of accounts and a trial balance per period through the import wizard. One entity is an afternoon. Five fit in a single sitting.
Per-user fees
Charged by the seat, audited at renewal. Finance teams pad their counts because adding a junior costs $1,200 a year on top of the platform.
Add-on reporting modules
Multi-entity reporting layer. Consolidation add-on. Dashboard seats. Each one priced separately, each one a renewal conversation.
The reporting layer on top of QuickBooks
Fathom, Spotlight, Reach, Jirav — bolted on to give the combined view that QuickBooks alone can't produce. Useful, but disconnected from the underlying books and never quite up to date.
The two-week wait for the close
Hard to put a dollar figure on, but it's the most expensive item on this list. Decisions made on stale numbers. Board meetings backfilled with apologies. LP reporting that's always one quarter behind the news.
Three guarantees that put the risk on us.
Live in 7 business days
From signed contract to your first combined Balance Sheet. If we miss it, your first month is free.
Pilot at the sweet spot
6–15 entity portfolios get a 30-day pilot. Walk away with no fee if it doesn't work. Your trial balance uploads come with you regardless.
Price locked at signing
Your rate is locked for 24 months from contract date, and a native operations quote carries the same lock. If we change published rates, you keep yours. For the life of your initial term.
Honest about what we don't do.
Held to professional standards.
Tenant-isolated by construction. Sign-in through your identity provider — no Coherence password database. Append-only ledger. Two-layer encryption with secrets in Azure Key Vault. Hourly backups. The detail and our subprocessor list are on the Security & Trust page; the headline signals are below.
Microsoft Entra ID & Google Workspace
No password database. Your MFA, conditional access, and offboarding policies apply automatically. Disable a user in your directory; Coherence access drops in real time.
Every query scoped on every request
Not derived from the session, not inferred from a URL, not trusted to the client. Portfolio sharing is the one exception — and the data owner holds the switch, revocable any time.
TLS in transit + AES at the application layer
Sensitive financial fields (bank account details, ACH credentials) are AES-encrypted at the app layer before they reach the database. Keys live in Azure Key Vault, rotated independently.
Microsoft Azure + distributed SQL
Database is a managed CockroachDB cluster with three-way replication. Cloudflare WAF and DDoS protection sit in front. Microsoft Defender monitors runtime and config drift.
Hourly snapshots, 30-day retention
Encrypted, stored independently of the production cluster, and exercisable from the database provider's console. File storage uses Azure Blob with geo-redundant replication.
Posted transactions can't be edited or deleted
Corrections are made by posting reversing entries — the standard external auditors, lenders, and acquirers expect. Every security-sensitive action is audit-logged with user and timestamp.
Things the rate card doesn't answer.
How does the bracket math actually work?
Like income tax brackets. Each band's rate applies only to the entities within that band. Your first entity is at $750/mo. Entities 2–5 are at $650 each. Entities 6–15 are at $500 each. Entity 16+ are at $400 each. Add them up to get your monthly bill. The calculator above does it for you.
How are native operations priced?
Separately from the rate card. When an entity is ready to run its day-to-day accounting on Coherence, we scope the functions it will use and its transaction volume, and quote a per-entity price. There are still no per-user fees. The combined view keeps working exactly as before while the entity moves over.
What about SOC 2 and security?
Coherence is not currently SOC 2 certified — we'll pursue formal attestation as customer demand requires. What matters more than the certificate is whether the underlying controls are in place: enterprise SSO with no local password database, tenant isolation enforced on every request, two-layer encryption with secrets in Azure Key Vault, hourly backups with a one-hour RPO, append-only financial records, Cloudflare WAF at the edge, and Microsoft Defender monitoring runtime and configuration. A CAIQ-Lite questionnaire response and our current DPA are available under NDA. Full detail on our Security & Trust page.
What's the contract length?
Annual, billed annually. Optional 10% prepay discount on Year 1. Auto-renews at the same rate (your rate is locked for 24 months from signing). Cancel with 30 days' notice before renewal.
What happens to my data if we leave?
You own your data. On termination, you get a full export of your chart of accounts, transactions, trial balances, and uploaded files in standard formats (CSV, Excel, JSON). 90-day window. No exit fee.
Can entities have different fiscal years?
Yes. Each entity carries its own fiscal calendar. The combined Balance Sheet computes each entity's Current Year Earnings against its own fiscal year and sums them. A footnote appears on combined statements when fiscal years differ so the reader understands what they're looking at.
How does sign-in work?
Sign-in is through your existing Microsoft Entra ID or Google Workspace — no Coherence password database, no local accounts, no alternate auth path. Your MFA, conditional access, and session policies apply automatically. When an employee is disabled in your directory, their Coherence access is revoked in real time — no admin workflow on our side. Short-lived access tokens, idle timeouts, and per-resource permissions are layered on top.
What does "live in 7 business days" actually mean?
Most of the seven days is wall-clock, not work. Coherence provisions your tenant and helps connect your identity provider (Microsoft Entra or Google Workspace). The hands-on work your team actually does is light: confirm your fiscal year, create financial periods, upload a chart of accounts spreadsheet, and upload a trial balance per period.
For one entity, that's an afternoon. For five entities, it fits in a single sitting. Each monthly trial balance import is under a minute once you're in the rhythm: upload → preview → create journal entry → finalize → request posting.
How does each entity's data get into Coherence?
Trial balance upload is the ingestion path — under a minute per entity, from whatever system each one runs. Each entity controls exactly what's shared each period, and every upload carries an audit trail: what was ingested, when, and by whom. Deliberate by design.
Native operations or an atypical portfolio? Tell us your shape.
Use the calculator above for a quick number at published rates. Use this form when you want a confirmed quote, a walkthrough, or you're outside the standard envelope — native operations, 30+ entities, accounting firms, resellers, or franchise groups. One business day to a real number.