Untangle Money

What Untangle Money does

Untangle Money is a Canadian, founder-led personal financial planning company founded in 2020 and based in Kitchener, Ontario. It serves women in Canada who feel underserved by traditional financial advisors, with a primary focus on women aged 18-35 earning $50,000-$200,000 per year. The company explicitly positions itself as a planning and education service rather than a financial advisor, meaning it does not recommend specific investments or receive third-party compensation.

The core technology is a web-based financial planning application (accessible at app.untangle.money) built around a proprietary Female-Financial-Life Assumptions Model that uses conservative salary growth, women's-average portfolio returns, and longer life expectancy to produce projections. The application delivers two memorable metrics, NOW Money (current spending capacity) and FUTURE Money (monthly investment needed for retirement), and supports interactive scenario modeling for life events such as having a baby, changing jobs, major purchases, and education decisions. Content is delivered through a 6-Bucket Budget System and a self-paced learning library of videos and modules.

Untangle Money operates a three-tier product suite priced at $249/year (MINI Self-Serve subscription), $999 per session (MINI Full Service, one-hour expert-led virtual session), and $2,499 per package (MAXI Full Service, three virtual sessions). All tiers are sold direct-to-consumer through the company website, with installment payment plans offered. A free MINI variant is distributed via the IVEY Grant program, and a separate employer-facing channel offers financial wellness programs and speaking engagements to Canadian employers. Go-to-market is product-led and community-led, anchored by an extensive blog, multi-channel social presence (Instagram, Pinterest, LinkedIn, TikTok, X), email newsletters, and webinars. The company is bootstrapped with no disclosed external funding, operates with 1-10 employees, and has built credibility through features on CBC's Dragons' Den, Globe and Mail, Motley Fool, MoneySense, and Financial Post.

Name

Untangle Money

Legal name

Untangle Money

Website

https://untangle.money

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Untangle Money is a Canadian fintech founded in 2020 that sells tiered personal financial planning products (MINI and MAXI packages priced $249 to $2,499) specifically designed for women in Canada, combining budgeting, retirement projections, and life-event scenario modeling through a self-serve web app and expert-led virtual sessions.

Ownership category

akta.pro rank

Product category

Personal Financial Planning Software

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282)

akta.pro primary industry

Budgeting & Cash-Flow Management (FSAGADAA)

akta.pro secondary industries

Expense Tracking & Financial Dashboards (FSAGADAB), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

Keywords

• Personal financial planning
• Women financial wellness
• Retirement planning tools
• Budgeting web application
• Female-focused finance

Headquarters

HQ city

Kitchener

HQ country

Canada

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. MINI Self-Serve Subscription: Annual subscription providing access to web app with interactive questions, learning videos, dashboard, saved scenarios, and all learning modules for one year. Targets young women aged 18-35 earning $50,000-$200,000.
2. MINI Full Service Session: One-time purchase of guided one-hour virtual session with an Untangle Money expert. Includes interactive scenario review, budget breakdown explanation, and graphical summary of scenarios reviewed.
3. MAXI Full Service Package: Comprehensive three-session package providing deepest financial review. Includes detailed investment and savings analysis (TFSAs, RRSPs), multiple life scenario modeling, and ongoing support across three virtual sessions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Untangle Money sells a web-based personal financial planning application and accompanying expert-led virtual sessions aimed at women. The platform combines day-to-day budgeting with retirement planning using female-life assumptions (conservative salary growth, women's portfolio returns, longer life expectancy) and delivers two key metrics — NOW Money and FUTURE Money. Products are sold direct-to-consumer through untangle.money in three tiers: self-serve subscription, single expert session, and three-session comprehensive package.

Product overview

Untangle Money offers a tiered suite of personal financial planning products designed specifically for women, combining day-to-day budgeting with retirement planning. The core offerings include three service levels: the Self-Serve MINI (web app at $249/year) for independent learning, the Full-Service MINI ($999/session) with one-on-one expert guidance, and the Full-Service MAXI ($2,499/package) providing comprehensive multi-session planning. All products use assumptions reflecting female financial realities and deliver two key metrics: Now Money and Future Money. A free IVEY Grant Users variant is also available.

Differentiator

Problem solved

Functional benefit

Products and services

• Untangle MINI - Self Serve Annual self-serve web app subscription providing interactive financial questions, learning videos, dashboard, saved scenarios, and all learning modules for one year. Users input their financial details and receive NOW Money (spending capacity per hour worked) and FUTURE Money (monthly investment needed for retirement) metrics. Priced at $249 per year with installment option of $24.90/month for 12 months.
• Untangle MINI - Full Service One-hour virtual session with an Untangle Money expert (Kristine Beese) including interactive scenario review, budget breakdown explanation, retirement projection review, and a graphical summary of scenarios reviewed. Priced at $999 per session with installment option of $99.90/month for 12 months.
• Untangle MAXI - Full Service Comprehensive three-session financial planning package providing the deepest review. Includes detailed investment and savings analysis (TFSAs, RRSPs), multiple life scenario modeling, and ongoing expert support across three virtual sessions. Priced at $2,499 per package with installment option of $249.90/month for 12 months.
• Untangle Mini - IVEY Grant Users Free version of the Untangle MINI financial planning tool available to IVEY Grant recipients.

Quantifiable outcome

• Users receive two easy-to-remember metrics: NOW Money (spending capacity per hour worked) and FUTURE Money (monthly investment needed for retirement)

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/UntangleMoney
• Facebookfacebook.com/untanglemoney
• LinkedInlinkedin.com/company/untangle-money
• Instagraminstagram.com/untanglemoney
• Pinterestpinterest.com/untanglemoney
• TikToktiktok.com/@untanglemoney

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Untangle Money