The founder
500 businesses · automation-first · operator, not advisor
Background in software, e-commerce, and operations. Built and ran enough businesses to know what works, what wastes time, and what an actual ROI-prioritized financial plan looks like — not the kind a CFP fills out from a script.
The gap
Every personal-finance product I tried fell into one of two buckets: a budgeting app that told me what I'd already spent, or a $400/hr advisor whose first move was a 90-minute intake call followed by a generic template email. Neither answered the question I actually needed answered every month — what's the highest-leverage move I should make this week given my current cash, debts, income, risk profile, and horizon?
The honest answer to that question changes every month. Markets move, bills land, a side income fluctuates, a tax bill comes due. A static plan goes stale in 30 days. A human advisor doesn't scale to a weekly check-in. So most people end up doing nothing, or doing whatever the latest finance influencer yelled about on a podcast.
The system
MoneySmith does two things. First, the Master Plan: you fill out a 60-second quiz, the system runs your numbers through the same heuristics an operator would (debt-cost vs. expected-return spread, cash buffer thresholds, tax-advantaged ordering, optionality preservation), and you get a PDF blueprint specific to your situation — the WHAT, with explicit ROI-priority ranking on every action.
Second, the AI Coach (Compass tier and above): your blueprint stays in context, and you can ask the Coach the WHEN — “should I prepay the car loan this month or wait until Q2?” — and get an answer that knows your category, horizon, mindset, and current stack. The PDF tells you what to do. The Coach tells you when.
The whole product runs on the same automation-first principle I use to operate everything else: every decision should be either rule-based, system-assisted, or one-click. A finance product where you have to hand-roll a spreadsheet to act on its advice is a finance product that fails.
Why subscriptions exist
A one-time PDF is a snapshot. Real financial circumstances aren't static, so a one-time deliverable can't be the whole product — it's the entry point. Subscriptions (Spark, Compass, Atlas) exist because the value stream is continuous: refreshed plan checks, real-time decision support, accountability nudges, and a Coach that remembers your last six conversations and doesn't make you re-explain your situation every time.
Pricing is honest about that distinction. Spark is the lightest tier — keep your blueprint current. Compass adds the AI Coach with full context. Atlas is for operators with meaningfully more complex stacks (multiple income streams, business + personal commingled, real estate). Every tier carries the same 7-day refund window — if it's not a fit in the first week, you get the most recent charge back, no questions.
The product is built so a subscription is justified by what it returns — not by retention dark patterns. You can cancel in two clicks from the dashboard. The point is to deserve the renewal, not to trap it.
What I won't do
- Sell your data. No ad networks, no affiliate-stuffed product recommendations, no “personalized offers” from third parties. Stripe for payments, Supabase for storage, Resend for email — that's the full third-party surface.
- Pretend to be a CFP. MoneySmith is operator-built strategy software, not licensed financial advice. The output is educational and decision-support; consult a fiduciary for anything binding.
- Add features that don't pay for themselves. Every product surface either makes you better at allocating capital or it doesn't ship. Bloat is how SaaS gets slow and expensive — both fates we're actively avoiding.
Try it in 60 seconds
The fastest way to see whether MoneySmith fits you is the quiz. No email required to see the recommendation; only required if you decide to generate the PDF blueprint. Or skim the full FAQ first.
Take the quiz →Questions: support@moneysmith.one