Qube Money
Qube Money builds Qube+, a direct-to-consumer digital envelope budgeting app that connects to existing bank and credit card accounts via Plaid to enable intentional, pre-purchase spending decisions for individuals and couples.
- Company typePrivate
- Founded2019
- HeadquartersPleasant Grove, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Qube Money does
Qube Money is a US-based financial technology company founded in 2019 and headquartered in Pleasant Grove, Utah, that builds Qube+, a direct-to-consumer spending-management product positioned as a digital reimplementation of the cash-envelope budgeting method. Qube+ connects to users' existing bank accounts and up to ten credit cards through Plaid on a read-only basis, organising money into three top-level categories — Bills, Spend, and Goals — represented as digital envelopes called Qubes. Its core behavioural mechanism, Pre-Qubing, lets users record a purchase at the point of sale so that category balances reflect decisions in the moment rather than waiting for bank transactions to settle; the company is not a bank and does not hold or move user funds.
Qube+ is sold via self-serve registration at dashboard.qubemoney.com, with a 15-day free trial converting into a $14/month subscription or a $126 annual plan ($10.50/month equivalent). Distribution is direct-to-consumer and product-led, supported by content marketing, testimonials from named beta users, a founder interview with Kevin O'Leary, and partnerships with personal-finance media properties such as BiggerPockets Money and CampFI. The product is currently in limited Beta and is not publicly launched.
The company is privately held by its founders and leadership team — Shane Walker (Co-Founder & CEO), Marc Smith (CTO), Sarib Mahmood (CPO), Maral Yessayan (CMO), Kaden Walker (BSA Officer & VP Operations), and Charles Rudibaugh (VP Sales) — and operates with a team of 1-10 employees. Approximately $9.6M has been raised across rounds from 2018 through January 2022; there has been no new meaningful funding round since then, and the product has not yet reached general availability.
Qube Money firmographics
Firmographics- Name
- Qube Money
- Legal name
- Qube Money LLC
- Website
- https://qubemoney.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Qube Money builds Qube+, a direct-to-consumer digital envelope budgeting app that connects to existing bank and credit card accounts via Plaid to enable intentional, pre-purchase spending decisions for individuals and couples.
- Ownership category
- akta.pro rank
Qube Money industry classification
Industry- Product category
- Personal Budgeting Software
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)
Keywords
Where Qube Money is headquartered
LocationHeadquarters
- HQ city
- Pleasant Grove
- HQ country
- United States
- HQ region
- North America
Markets served
Qube Money business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription - Monthly: Monthly subscription at $14/month providing full access to Qube+ features including unlimited Qubes, account connectivity, and Pre-Qubing functionality.
- Subscription - Annual: Annual subscription at $10.50/month ($126 billed annually) offering 25% savings compared to monthly plan. Users save $42/year with annual commitment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Monthly subscription at $14/month |
| Subscription | Annual | Annual subscription at $10.50/month ($126 billed annually) |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels6 records
Qube Money product offering
Product offeringCore offering
Qube+ is an intentional spending and digital envelope budgeting application that connects to users' existing checking accounts and up to 10 credit cards through Plaid for read-only visibility into balances and transactions. It organizes money into unlimited digital envelopes ("Qubes") across Bills, Spend, and Goals categories, and uses a proprietary Pre-Qubing mechanism that lets users record purchases at the moment they spend so category balances update immediately rather than waiting for bank transactions to settle. Qube+ is not a bank; funds remain in the user's own accounts, and credit card rewards are preserved.
Product overview
Qube Money offers Qube+ as its primary standalone product line. Qube+ is a financial technology product (not a bank) that enables users to organize their money into digital envelopes called Qubes within categories of Bills, Spend, and Goals. The product connects to users' existing checking accounts and up to 10 credit cards through Plaid to provide read-only visibility into balances and transactions. Key differentiators include the Pre-Qubing feature that allows users to record purchases at the time of spending, keeping category balances current. Available via subscription at $14/month or $10.50/month (annual), with a 15-day free trial. Currently in limited Beta testing.
Differentiator
Problem solved
Functional benefit
Brands
- Qube+: A standalone product line of Qube Money that provides an intentional spending system to help users organize their money around priorities. It links to primary checking accounts so users can organize their plan into Bills, Spend, and Goals. Qube+ is not a bank and does not hold or move funds.
Products and services
- Qube+ (Qube Plus) A standalone financial technology product (not a bank) that helps individuals and couples organize their money into digital envelopes called Qubes (Bills, Spend, and Goals), connect to existing checking accounts and up to 10 credit cards via Plaid for read-only visibility, and record purchases at the moment of spending via the Pre-Qubing feature to support intentional, real-time budgeting decisions.
- Qube Money Mobile and Web Application Mobile and web application that delivers Qube+ features to users, enabling self-serve registration, account connection via Plaid, creation and management of digital envelopes (Qubes), Pre-Qubing purchase recording, and tracking of spending across connected bank accounts and credit cards.
Quantifiable outcome
- Users report controlling spending and saving more without additional effort
- +2 more outcomes
Companies that use Qube Money
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Qube Money technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Qube Money partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PlaidcoreQube+ connects to users' existing bank and credit card accounts through Plaid, a trusted third-party data aggregation provider. Connections are read-only, allowing Qube+ to display balance and transaction information without the ability to move, modify, or initiate transactions. This integration is fundamental to Qube+'s core functionality of providing visibility into user finances.
Scale indicators1 record
Recent moves5 records
Expansion highlights6 records
Qube Money competitors and assessment
Company assessmentDirect peers
- YNAB (You Need A Budget): YNAB is the most established digital envelope-budgeting app, charging a subscription and serving the same intentional-spending and FI audiences that Qube targets. It is the closest direct peer in product category, pricing model, and target customer, and represents both the primary competitive threat and the most obvious proof point that envelope budgeting can sustain a paid consumer business.
- Goodbudget: Goodbudget is a long-running digital envelope-budgeting app that pioneered the category for mobile/web. It targets the same household budgeting use case as Qube+ with a freemium + paid subscription model and is directly comparable on core functionality, though it lacks Pre-Qubing's real-time point-of-sale capture.
- Monarch Money: Monarch Money is a modern subscription-based PFM app built by former Mint executives, offering budgeting, net worth tracking, and account aggregation via Plaid. It competes for the same subscription-paying, financially-engaged consumer that Qube+ targets, and represents a well-funded recent entrant in the paid PFM category.
- Copilot Money: Copilot is a subscription-based PFM app focused on iOS users, offering transaction categorization, budgeting, and investment tracking. It targets design-conscious, paying consumers with similar account-aggregation functionality and a comparable price point to Qube+.
- Rocket Money (formerly Truebill): Rocket Money is a subscription PFM app that helps users track spending, create budgets, and cancel unwanted subscriptions. Owned by Rocket Companies, it competes for the same subscription-paying budgeting consumer that Qube targets, though with a heavier emphasis on subscription-cancellation and bill negotiation.
- Mvelopes: Mvelopes is a digital envelope-budgeting app that directly mirrors the cash-envelope methodology Qube is digitizing. It targets a similar household-budgeting use case and is a long-standing direct competitor in the envelope category, particularly relevant for couples and shared-finances users.
- PocketGuard: PocketGuard is a consumer budgeting app that aggregates accounts and surfaces "in my pocket" remaining balances. It competes with Qube+ in the visibility-and-spending-control category, though PocketGuard emphasizes automated categorization rather than Pre-Qubing-style intentional decision-making.
Broad incumbents
- Empower Personal Dashboard (formerly Personal Capital): Empower offers a free PFM dashboard with budgeting, cash flow tracking, and net worth tools alongside a wealth management offering. It competes broadly with Qube+ for engaged personal-finance consumers, monetizing via advisory services rather than subscription fees, and serves as the free-tier benchmark Qube's $14/month must justify.
Others
- Plaid: Plaid is Qube+'s core data-aggregation infrastructure partner, providing the read-only bank and credit card connectivity that powers Pre-Qubing and envelope balances. It is not a competitor but an enabling/adjacent company whose pricing, API policy, and reliability directly shape Qube's product and unit economics.
Emerging players
- Current: Current is a consumer fintech offering a mobile banking account with built-in budgeting, savings "pods," and early payday features. While primarily a neobank rather than a pure budgeting app, it competes for the same financially-engaged consumer seeking organized, intentional spending — adjacent to Qube's positioning and a potential threat as it bundles payments functionality Qube cannot match.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Qube Money social profiles
Digital presenceQube Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
Qube Money leadership team
Management profileNumber of profiles
Profiles7 records
Qube Money funding detail
Funding detailFunding overview
Funding rounds6 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Qube Money 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 Qube Money
What does Qube Money do?
Qube+ is an intentional spending and digital envelope budgeting application that connects to users' existing checking accounts and up to 10 credit cards through Plaid for read-only visibility into balances and transactions. It organizes money into unlimited digital envelopes ("Qubes") across Bills, Spend, and Goals categories, and uses a proprietary Pre-Qubing mechanism that lets users record purchases at the moment they spend so category balances update immediately rather than waiting for bank transactions to settle. Qube+ is not a bank; funds remain in the user's own accounts, and credit card rewards are preserved.
Is Qube Money a public or private company?
Qube Money is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Qube Money founded?
Qube Money was founded in 2019. It employs 1 to 10 people.
Where is Qube Money based?
Qube Money is headquartered in Pleasant Grove, United States, in the North America region.
How does Qube Money make money?
Two revenue lines are on record. Subscription - Monthly is the primary driver. The others are subscription - Annual.
Who are Qube Money's main competitors?
Direct peers on record are YNAB (You Need A Budget), Goodbudget, Monarch Money, Copilot Money, Rocket Money (formerly Truebill), Mvelopes and PocketGuard. Empower Personal Dashboard (formerly Personal Capital) is listed as a broad incumbent. Plaid is listed as an others. Current is listed as an emerging player.
Does Qube Money have an API?
No public API is recorded for Qube Money.
What industry is Qube Money in?
Qube Money's product category is Personal Budgeting Software. Its primary akta.pro industry code is FSAGACAB, Account Verification & Ownership (AVS/AOV, micro-deposits, auth). Its SIC code is 6199.