Charlie Chang’s apps

Financial Freedom OS

Track income, investments, savings, expenses, side income, and freedom progress.

Tracks the distance between what somebody earns and what they need, and how fast that gap is closing. Income, investments, savings, spending and side income, all pointed at one number: how long until work is optional.

What a v1 does5 features
  • Every account in one net-worth figure, updated automatically
  • The savings rate, tracked as the number that decides the date
  • A projected freedom date that moves with behaviour
  • Side income tracked separately from salary
  • Scenarios - spend less, earn more, retire sooner

The market

Adjacent marketPortfolio tracking
$24 a monthcharged by Sharesight, used by investors in over 100 countries

No portfolio tracker publishes revenue or user numbers, so price is the only available evidence. Sharesight charges $24 and Snowball Analytics $299 for professional use. At $12 a month this sits below both.

Where these numbers come from
CompanyEarnsReachSource
Sharesight$24/mo PremiumHundreds of thousands of investors, 100+ countriesPublished pricing
Snowball Analytics$12.50 per 10 portfolios · $299/mo proNot publishedPublished pricing
EmpowerWealth-management upsellNot publishedModel, not a disclosed figure

Why this audience

Financial independence is the destination this content points at, and the audience has adopted the framing. They think in savings rate and freedom dates already. A tool that tracks the distance to work being optional speaks their existing vocabulary.

Before it can launch

  • Open-banking access through Plaid; SOC 2 Type II

What it earns

Drag me Every figure recalculates as you go.

Paying users1,000

0.05% of 2M followers · capped at 50,000

Price per month$12

Opens on the price this idea was costed at, $12.

1,000 paying — 0.05% of 2M followers — × $12 a month = $12,000 a month

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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.

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