Wealth-Building Budget App
Combine budgeting, automated investing, daily contributions, and long-term wealth goals.
Budgeting whose purpose is investing rather than restraint. It works out what can be spared, moves it automatically, and reports progress as assets acquired rather than as spending avoided.
What a v1 does5 features
- A budget built backwards from an investing target
- Contributions moved automatically through a broker partner
- Daily or weekly amounts rather than one monthly leap
- Progress reported as investments owned, not budget kept
- Automatic increases when income rises
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 does not want budgeting for its own sake; they want it as a feeder for investing. That is an unusual motivation and it changes the product. Building the budget backwards from an investing target matches what they are actually trying to do.
Before it can launch
- Open-banking access through Plaid, plus a broker partner for the investing half
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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