Money OS
Financial dashboard for income, expenses, savings, investments, debt, net worth, cash flow, and goals.
One dashboard for a whole financial life: what comes in, what goes out, what is owed, what is owned and what it all nets to. Built for the person who has five apps and still cannot answer whether this month was good.
What a v1 does5 features
- Income, spending, debt and investments in one net-worth line
- Cash-flow view showing the month before it happens
- Debt paydown and savings tracked against the same goals
- Trends over quarters, not just this month's chart
- One monthly figure: better or worse than last month, and why
The market
Monarch has roughly 1.8M monthly users and YNAB about 1.4M, at $99.99 and $109 a year. Mint's closure left the largest gap in consumer finance and three paid products grew into it. This is costed at $12 a month.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Rocket Money | $880M+ saved for members | 10M+ members | Company-stated, 2025 |
| Monarch Money | $99.99–199 a year | ~1.8M monthly active users | Published pricing, 2026 |
| YNAB | $109 a year | ~1.4M monthly active users | Published pricing, 2026 |
Why this audience
This audience optimises - cards, rewards, rates, allocations - and holds the whole picture in their head or in a spreadsheet. They have more moving parts than a normal financial life. One dashboard is worth more to them than to somebody with a salary and a current account.
Before it can launch
- Open-banking access through Plaid; SOC 2 Type II
What it earns
Drag me Every figure recalculates as you go.
0.045% of 2.2M followers · capped at 50,000
Opens on the price this idea was costed at, $12.
1,000 paying — 0.045% of 2.2M followers — × $12 a month = $12,000 a month
Fifty thousand paying users is the ceiling every one of these pages is drawn against, not a forecast. It opens at a thousand, the bottom of the range, so the first figures you see are the modest ones. What the cap buys is comparability: the same range on every app, and the percentage of the audience it takes as the number that moves.
Is this the one for your audience?
We fund it, build it, and run it. You bring the audience and take a share of the revenue. Nothing to pay and nothing to build.