Your Money Line
Your Money Line is a B2B financial wellness platform sold to employers as an employee benefit, combining AI-driven budgeting and personalized audio insights with unlimited 1:1 coaching from certified financial counselors. It serves HR teams across healthcare, education, manufacturing, utilities, and other mid-market to enterprise verticals in the United States.
- Company typePrivate
- Founded2017
- HeadquartersCarmel, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Your Money Line does
Your Money Line (YML), operated by Advanced Planning Solutions, Inc. and headquartered in Indianapolis, Indiana, is a corporate financial wellness platform sold to employers as an employee benefit. Founded in 2017, the company offers an all-in-one "Money App" that bundles 1:1 financial coaching from credentialed Accredited Financial Counselors (AFC) and Certified Financial Planner (CFP) practitioners with AI-powered features including spending and budget tracking, anomaly detection on transactions (duplicate charges, subscription changes), and a generative-AI-produced four-minute personalized money podcast. Eight product modules surround the core app: financial coaching, smart budgeting, personalized podcast, credit and ID monitoring, identity protection, goals and assessments, a financial literacy education library, and in-platform tax filing. Financial account connectivity is handled via third-party aggregator MX.
YML generates revenue primarily through B2B employer-paid subscriptions priced per-employee-per-month on an annual billing cadence (quote-based, not publicly disclosed), with the service delivered free to employees. The company also monetizes student loan forgiveness guidance, including PSLF navigation, having helped employees unlock approximately $97–98 million in loan forgiveness. Go-to-market combines direct enterprise field sales targeting HR teams, a partnership channel through benefits brokers and retirement advisors, content marketing (blog, WorkWell newsletter, ROI calculator, Money Vibe Quiz, webinars), and presence at SHRM. Named enterprise customers span healthcare (UT Health Houston), beverage manufacturing (Swire Coca-Cola), manufacturing (BraunAbility), education (Carmel Clay Schools), utilities (PPL Corporation), staffing (Eight Eleven Group), and automotive (Hendricks Automotive). YML has raised approximately $7.3 million cumulatively across two disclosed rounds ($2.825M in September 2022 and $4.5M in August 2024 led by Allos Ventures with strategic participation from CareSource), is SOC 2 Type 2 compliant, and was recognized as a 2025 Inc. Power Partner.
Your Money Line firmographics
Firmographics- Name
- Your Money Line
- Legal name
- Advanced Planning Solutions, Inc.
- Website
- https://yourmoneyline.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Your Money Line is a B2B financial wellness platform sold to employers as an employee benefit, combining AI-driven budgeting and personalized audio insights with unlimited 1:1 coaching from certified financial counselors. It serves HR teams across healthcare, education, manufacturing, utilities, and other mid-market to enterprise verticals in the United States.
- Ownership category
- akta.pro rank
Your Money Line industry classification
Industry- Product category
- Corporate Financial Wellness Software
- NAICS
- Finance and Insurance (52)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Employee Financial Wellness Platforms (Workplace PFM) (FSAGADAK)
- akta.pro secondary industries
- Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH), Expense Tracking & Financial Dashboards (FSAGADAB), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Your Money Line is headquartered
LocationHeadquarters
- HQ city
- Carmel
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Your Money Line business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Employer Subscription (B2B): YML operates as an employer-paid employee benefit where companies pay a subscription fee to provide financial wellness services to their workforce. Most corporate wellness pricing models base pricing on the number of employees, and since the company pays for it, it's free for employees. Pricing is typically per-employee/per-month or annual subscription model based on workforce size.
- Student Loan Forgiveness Services: Guidance and support services for employee student loan forgiveness, including PSLF (Public Service Loan Forgiveness) navigation. The company has helped employees unlock over $97 million in student loan forgiveness.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based enterprise pricing tied to number of employees |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Your Money Line product offering
Product offeringCore offering
Your Money Line is an all-in-one corporate financial wellness platform sold to employers as an employee benefit. The platform combines AI-powered financial insights with unlimited 1:1 access to certified financial coaches (Accredited Financial Counselors and Certified Financial Planner practitioners), delivering personalized money management, budgeting, credit monitoring, ID protection, goal tracking, financial literacy education, and tax filing to employees.
Product overview
Your Money Line (YML) is an all-in-one corporate financial wellness platform that combines AI-powered insights with unlimited 1:1 human financial coaching. The core All-In-One Money App serves as the central platform, supplemented by eight integrated modules: 1:1 Financial Coaching (certified financial guides), Smart Budgeting & Insights (spending tracking), Personalized Money Podcast (AI-generated audio content), Credit & ID Monitoring (credit tracking and identity protection), Goals & Assessments (goal tracking), Financial Literacy Education (courses and resources), and Tax Filing (in-platform tax preparation). The platform is delivered as an employer-sponsored benefit targeting HR teams, healthcare organizations, and employees seeking financial wellness support, with pricing based on number of employees.
Differentiator
Problem solved
Functional benefit
Products and services
- All-In-One Money App The primary financial wellness platform that provides personalized financial guidance, AI-powered insights, and comprehensive money management tools for employees at every stage of life, delivered as an employer-paid benefit.
- 1:1 Financial Coaching Unlimited access to certified financial guides (Accredited Financial Counselors and Certified Financial Planner practitioners) who provide personalized financial guidance through call, email, text, or chat to employees.
- Smart Budgeting & Insights Spending tracking and budget monitoring tool that helps employees understand where their money goes and provides smart suggestions for improvement before expenses add up.
- Personalized Money Podcast AI-generated 4-minute personalized audio episodes that analyze user's spending, credit, goals, and how financial news could impact their personal finances.
- Credit Monitoring Credit monitoring service that helps users track their credit and make informed borrowing decisions.
- Identity Protection Identity protection service that monitors and safeguards users' personal identification information from potential fraud or misuse.
- Goals & Assessments Financial goal tracking and assessment tool that provides personalized strategies, motivation, and encouragement based on user's money personality and financial objectives.
- Financial Literacy Education On-demand educational resource hub offering hundreds of courses, videos, worksheets, articles, webinars, and 'money minutes' short-form videos covering budgeting, debt management, retirement planning, and other financial topics.
- Tax Filing Integrated tax preparation service enabling users to file federal and state taxes directly within the YML platform at exclusive user-only pricing.
Quantifiable outcome
- 97% of participants feel more confident after meeting with a financial guide
- +5 more outcomes
Companies that use Your Money Line
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
Your Money Line technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability7 records
Feature5 records
Your Money Line partnerships and signals
Strategic signalScale indicators15 records
Recent moves8 records
Expansion highlights6 records
Your Money Line competitors and assessment
Company assessmentDirect peers
- Financial Finesse: Employer-sponsored financial wellness provider offering coaching, education, and personalized guidance. Direct peer with similar coaching-centric model and enterprise HR buyer.
- LearnLux: Workplace financial wellness platform offering personalized guidance, financial coaching, and educational content to employees through employers. Closely aligned with YML in buyer, product modules (coaching, budgeting, education), and target verticals.
- Salary Finance: Employer financial wellness platform that combines education, salary-linked savings, and student loan repayment support. Direct competitor with comparable GTM (B2B benefits sales) and overlapping value props around student loans and financial coaching.
- Enrich Financial Wellness: Provider of financial wellness education, coaching, and tools sold to employers as an employee benefit. Direct competitor focused on financial literacy and coaching, with comparable B2B HR motion.
- Brightside Financial: Workplace financial wellness platform providing 1:1 financial coaching and digital tools to employees via employer benefit programs. Direct competitor in coaching-led employer wellness with similar target buyer.
- Origin Financial: Employer-sponsored financial wellness platform with budgeting, saving, investing, and financial planning tools. Direct peer selling into HR benefits with a comparable all-in-one platform strategy.
- SmartDollar: Dave Ramsey's employer-sponsored financial wellness platform combining budgeting, education, and debt payoff tools. Direct competitor to YML in the employer-paid financial wellness category with overlapping buyer (HR leaders) and similar B2B2E model.
Broad incumbents
- SoFi at Work: Consumer finance super-app that sells student loan repayment, financial planning, and wellness benefits to employers. Larger incumbent with deep capital, broader product suite, and overlapping employee benefit positioning.
- Empower (Personal Capital): Large retirement and personal wealth platform with employer-sponsored financial wellness offerings (formerly Financial Engines + Personal Capital). Broader incumbent with overlapping wellness capabilities but anchored in retirement plan services and asset management.
- Wellable: Corporate wellness platform that includes financial wellness among other dimensions. Adjacent competitor that competes for the same HR benefits wallet but with a broader, less financially-specialized offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Your Money Line social profiles
Digital presenceYour Money Line compliance and trust
Trust signalCompliance1 record
Your Money Line financial estimates
Financial estimateRevenue estimate
Valuation estimate
Your Money Line leadership team
Management profileNumber of profiles
Profiles4 records
Your Money Line funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Your Money Line M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Your Money Line
What does Your Money Line do?
Your Money Line is an all-in-one corporate financial wellness platform sold to employers as an employee benefit. The platform combines AI-powered financial insights with unlimited 1:1 access to certified financial coaches (Accredited Financial Counselors and Certified Financial Planner practitioners), delivering personalized money management, budgeting, credit monitoring, ID protection, goal tracking, financial literacy education, and tax filing to employees.
Is Your Money Line a public or private company?
Your Money Line is a private company. It is classified as venture growth investor backed and is currently operating.
When was Your Money Line founded?
Your Money Line was founded in 2017. It employs 11 to 50 people.
Where is Your Money Line based?
Your Money Line is headquartered in Carmel, United States, in the North America region.
How does Your Money Line make money?
Two revenue lines are on record. Employer Subscription (B2B) is the primary driver. The others are student Loan Forgiveness Services.
Who are Your Money Line's main competitors?
Direct peers on record are Financial Finesse, LearnLux, Salary Finance, Enrich Financial Wellness, Brightside Financial, Origin Financial and SmartDollar. Broad incumbents are SoFi at Work, Empower (Personal Capital) and Wellable.
Does Your Money Line have an API?
No public API is recorded for Your Money Line.
What industry is Your Money Line in?
Your Money Line's product category is Corporate Financial Wellness Software. Its primary akta.pro industry code is FSAGADAK, Employee Financial Wellness Platforms (Workplace PFM), with a secondary code of FSAGADAH, Financial Education & Coaching (Digital Programs, Tools). Its NAICS code is 52 and its SIC code is 6282.