40% Investing / Wealth Allocation App
Automatically allocate a target percentage of income toward long-term investments, including broad-market funds.
Automates the rule rather than choosing it: set a percentage of income to invest, and it moves that money into broad-market funds on payday before it can be spent. The user sets the target and the allocation; the app only executes.
What a v1 does5 features
- A set percentage moved on payday, automatically
- Broad-market funds by default, chosen by the user not by us
- Variable income handled - a percentage, not a fixed sum
- A record of every contribution and what it bought
- Pause and resume without losing the schedule
The market
Acorns is the evidence that a subscription rather than trading commission can carry a consumer investing product, with over $30B invested since inception. This is costed at $12 a month.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Acorns | $400M+ annual revenue, 2025 | 14M+ all-time customers · $30B+ invested | Independent estimate |
| Stash | $37.5M Series D raised | Not published | Announced funding |
| Greenlight | $2B managed by kids | 6.5M+ users | Company-stated, 2024 |
Why this audience
This audience has been persuaded that a fixed share of income should go to investments before anything else. The belief is established and the execution is manual, which means it happens in good months. Automating the rule they already accept is the whole product.
Before it can launch
- Moving money into investments is brokerage activity - v1 partners with a broker (Alpaca, DriveWealth) rather than registering. Choosing the allocation for someone is advice, so the app executes the rule the user sets
What it earns
Drag me Every figure recalculates as you go.
0.005% of 20M followers · capped at 50,000
Opens on the price this idea was costed at, $12.
1,000 paying — 0.005% of 20M 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.
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