Money Journey Planner
Turn a financial assessment into an ongoing financial roadmap.
Starts with an assessment of where somebody actually is and turns it into a sequenced plan - the order to fix things in, not a list of everything at once. The plan updates as the situation changes rather than expiring the first time it is missed.
What a v1 does5 features
- A starting assessment from real accounts, not a questionnaire
- The next three moves in order, with the reason for the order
- Milestones that move as income and expenses change
- One thing to do this month, not twenty
- A review that rewrites the plan rather than scolding
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 $9 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
These viewers know a great deal about money in the abstract and struggle to sequence it for their own situation. The content gives principles; the plan is theirs to build. An ordered roadmap from where they actually are is the missing translation.
Before it can launch
No licence, certification or data agreement stands between this and a launch — app-store review and an ordinary privacy policy aside.
What it earns
Drag me Every figure recalculates as you go.
0.05% of 2M followers · capped at 50,000
Opens on the price this idea was costed at, $9.
1,000 paying — 0.05% of 2M followers — × $9 a month = $9,000 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.
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