Moneysoft
Moneysoft is an Australian Personal Financial Management (PFM) software company serving financial advisers, money coaches, mortgage brokers, superannuation funds, and individual consumers. Its platform aggregates financial account data via Open Banking (CDR) for cash flow modelling, budgeting, goal tracking, and client engagement.
- Company typePrivate
- Founded2012
- HeadquartersFordingbridge, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Moneysoft does
Moneysoft Pty Ltd is an Australian personal financial management (PFM) software company founded in 2012 and headquartered in Sydney, with a secondary location listed in Fordingbridge, United Kingdom. Its core platform aggregates financial account data (cash, savings, credit cards, loans, mortgages, superannuation, brokerage) via Consumer Data Right (CDR) Open Banking and Digital Data Capture (screen scraping), delivered through Envestnet | Yodlee as data provider. The platform combines cash flow modelling, budgeting, goal tracking, digital fact find, advanced reporting, and e-signature capabilities into configurable client engagement software for financial advisers, money coaches, mortgage brokers, dealer groups, and superannuation funds, with white-label and embedded deployment options.
The company's product portfolio spans Moneysoft PFM (the core professional platform), Moneysoft Round Ups (a micro-investing solution for super and wealth funds), Moneysoft APIs and SDKs (for enterprise embedding), Moneysoft White Labelling, and the Auto Fact Find module. Notable technical components include native iOS and Android apps with white-label capability, formal data feed integrations with IRESS XPlan (including OAuth 2FA) and Midwinter AdviceOS, a DocuSign integration, two-factor authentication since 2018, and background account refreshing via webhooks. Compliance footprint includes the Australian Privacy Act 1988, the Notifiable Data Breaches scheme, and CDR Rules 2020 (as a Representative of Yodlee Inc).
Moneysoft monetises primarily through subscription fees to business accounts, sold per practice/adviser on annual contracts with quote-based pricing, supplemented by enterprise white-label deployments and channel partnerships through dealer groups, superannuation funds, and mortgage broker networks. Go-to-market combines direct sales (with dedicated business account managers and a 30-day free trial) with channel-led distribution via named dealer-group partners (Fortnum, InterPrac, Clearview, RI Advice, Millenium3, Centrepoint Alliance) and enterprise partners (IOOF/fincentral, Link Group, Mortgage Choice, AIA Australia). The company is privately held, has no parent company, and has disclosed only ~$2M in funding across two early-stage rounds in 2012 and 2014.
Moneysoft firmographics
Firmographics- Name
- Moneysoft
- Legal name
- Moneysoft Pty Ltd
- Website
- https://moneysoft.com.au
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Moneysoft is an Australian Personal Financial Management (PFM) software company serving financial advisers, money coaches, mortgage brokers, superannuation funds, and individual consumers. Its platform aggregates financial account data via Open Banking (CDR) for cash flow modelling, budgeting, goal tracking, and client engagement.
- Ownership category
- akta.pro rank
Moneysoft industry classification
Industry- Product category
- Financial Planning Software
- NAICS
- Insurance and Employee Benefit Funds (5251)
- SIC
- Finance Services (6199), Investment Advice (6282)
- akta.pro primary industry
- Personal Financial Management & Budgeting (PFM) (FSAGAAAH)
- akta.pro secondary industries
- Budgeting & Cash-Flow Management (FSAGADAA), Expense Tracking & Financial Dashboards (FSAGADAB), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)
Keywords
Where Moneysoft is headquartered
LocationHeadquarters
- HQ city
- Fordingbridge
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Moneysoft business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription - Business Accounts: Moneysoft generates revenue primarily through subscription fees charged to business partners (financial advisers, dealer groups, super funds). Business accounts are priced per practice/adviser with tiered options including dedicated business portal, white label options, resources, and support. Pricing is quote-based and not publicly disclosed on the website.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Business Account - 30 Day Free Trial |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Moneysoft product offering
Product offeringCore offering
Moneysoft provides a Personal Financial Management (PFM) software platform that aggregates financial account data (cash, savings, credit cards, loans, mortgages, superannuation, brokerage) via Open Banking (CDR) and screen scraping through Envestnet | Yodlee. The platform delivers cash flow modelling, budgeting, goal tracking, digital fact find, advanced reporting, and white labelling for financial advisers, money coaches, mortgage brokers, dealer groups, superannuation funds, and individual consumers across web, iOS, and Android.
Product overview
Moneysoft is an Australian financial technology company offering a modular Personal Financial Management (PFM) platform. The core product Moneysoft PFM provides client engagement software for financial professionals, combining automated data aggregation with budgeting, cash flow modelling, and goal tracking. The platform operates through distinct tiers including Cash Flow Pro for professional advisers and Lite for individual users. Additional modules include Moneysoft Round Ups (micro-investing), Auto Fact Find (client data collection), and APIs for enterprise integration. The platform supports white labelling for business partners and connects with third-party systems including XPLAN, Midwinter AdviceOS, DocuSign, and Yodlee for Open Banking data.
Differentiator
Problem solved
Functional benefit
Brands
- Moneysoft Round Ups: A product-independent micro-investing solution for wealth and superannuation funds looking to gain an edge in member acquisition, member engagement and growth of funds under management.
- Cash Flow Pro
- Link Advice Digital Fact Find
Products and services
- Moneysoft PFM (Personal Financial Management) Client engagement software for financial planners, money coaches, mortgage brokers, and superannuation funds that automatically aggregates financial account data (cash, savings, credit cards, loans, mortgages, superannuation, brokerage) into a complete picture of household wealth and cash flow. Includes digital onboarding, cash flow modelling, budgeting, goal tracking, fact find, advanced reporting, and integrations with adviser CRMs. Available as Cash Flow Pro tier for professionals and Lite tier for individual users.
- Moneysoft Round Ups
Quantifiable outcome
- One adviser practice (Mad About Life) reported zero client attrition among clients engaged on Moneysoft, with only risk-only clients leaving the practice.
- +2 more outcomes
Companies that use Moneysoft
Customer profileNamed customers14 records
Segments6 records
Ideal customer profiles4 records
Moneysoft technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature11 records
Moneysoft partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- MidwintercoreMidwinter's AdviceOS platform integrates with Moneysoft's fact find solution, allowing advisers to seamlessly push and pull data between the two systems for a more streamlined advice process.
- Link GroupcoreLink Group partnered with Moneysoft to launch Link Advice Digital Fact Find, streamlining advice engagement for superannuation fund members and advisers. The product combines Link Group solutions with Moneysoft's PFM platform, configured to fund requirements in a dynamic, digital format.
- IOOFminorIOOF launched the fincentral cash flow budgeting app powered by Moneysoft technology, targeting hundreds of thousands of Australians trying to manage their finances.
- Mortgage ChoiceminorMoneysoft's advice technology powered a new Mortgage Choice Financial Planning tool aimed at bolstering clients' money management skills and helping them reach their financial goals. Partnership announced April 2017.
- IRESS XPlancoreMoneysoft has a formal data feed agreement with IRESS XPlan to provide a seamless flow of data from Moneysoft into the XPlan IPS module. The integration enables financial advisers to build more effective relationships with faster, more insightful trading and market data; better visibility across cash accounts, credit cards, finance and superannuation; and digital fact find, balance sheet tracking, cash flow, budgeting and goals. Both basic authentication and OAuth 2FA are supported.
- Yodlee (Envestnet | Yodlee)coreYodlee serves as Moneysoft's primary data aggregation provider, powering both CDR (Open Banking) and Digital Data Capture (screen scraping) financial account feeds. Moneysoft provides access to CDR data as a Representative of Yodlee Inc under the Australian Competition and Consumer (Consumer Data Right) Rules 2020.
- XY AdviserminorXY Adviser and Moneysoft formed an alliance partnership for thought leadership content. Moneysoft CEO Jon Shaw publishes articles on XY Adviser and participates in joint interviews covering technology, digital transformation, and business value for financial advisers.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Moneysoft competitors and assessment
Company assessmentDirect peers
- Frollo: Australian CDR-accredited PFM and Open Banking platform for advisers, lenders and consumers. Directly comparable to Moneysoft in target market (Australian financial advisers), CDR compliance posture, and white-label/embedded offering.
- MoneyBrilliant: Australian personal financial management and budgeting app serving consumers and advisers. Comparable PFM functionality and Australian consumer/advice market overlap with Moneysoft.
- Basiq: Australian Open Banking data aggregation and PFM-enablement platform serving fintechs, lenders and advisers. Competes in the same Australian CDR/data-aggregation layer that underpins Moneysoft's PFM offering.
- Fincast: Australian cash flow forecasting and scenario-planning tool used by financial advisers and wealth groups. Directly overlaps Moneysoft's adviser cash-flow modelling and planning use cases.
- WeMoney: Australian PFM and credit-health app for consumers, increasingly partnering with advisers and employers. Comparable consumer-side PFM and budgeting experience, with emerging financial-wellness overlap.
Regional players
- Moneyhub: UK Open Banking-enabled PFM and financial planning platform for advisers, employers and consumers. Comparable technology stack (Open Banking data, white-label, adviser workflows) in a different geography.
- Plum: UK-based AI-driven PFM, budgeting and micro-saving app for consumers. Comparable consumer-side cash-flow, budgeting and round-ups mechanics; geographic peer only.
Broad incumbents
- IRESS: Australian-listed provider of software for financial advisers, wealth managers and brokers (XPlan, AdviserLogic). A core Moneysoft integration partner, but also a broad incumbent whose roadmap could absorb PFM functionality.
- Intuit Mint / Credit Karma: US consumer PFM and personal finance platform (Mint now integrated with Credit Karma). Broad incumbent in consumer budgeting and account aggregation, representative of the global PFM category Moneysoft competes in for individual users.
Others
- Envestnet | Yodlee: US-based financial data aggregation platform and CDR data provider behind Moneysoft's open banking feeds. Upstream infrastructure partner rather than competitor, but its consumer-facing tools overlap PFM functionality.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Moneysoft social profiles
Digital presenceMoneysoft compliance and trust
Trust signalCompliance3 records
Moneysoft financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneysoft leadership team
Management profileNumber of profiles
Profiles7 records
Moneysoft funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneysoft 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 Moneysoft
What does Moneysoft do?
Moneysoft provides a Personal Financial Management (PFM) software platform that aggregates financial account data (cash, savings, credit cards, loans, mortgages, superannuation, brokerage) via Open Banking (CDR) and screen scraping through Envestnet | Yodlee. The platform delivers cash flow modelling, budgeting, goal tracking, digital fact find, advanced reporting, and white labelling for financial advisers, money coaches, mortgage brokers, dealer groups, superannuation funds, and individual consumers across web, iOS, and Android.
Is Moneysoft a public or private company?
Moneysoft is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Moneysoft founded?
Moneysoft was founded in 2012. It employs 11 to 50 people.
Where is Moneysoft based?
Moneysoft is headquartered in Fordingbridge, United Kingdom, in the Europe region.
How does Moneysoft make money?
One revenue line is on record: subscription - Business Accounts.
Who are Moneysoft's main competitors?
Direct peers on record are Frollo, MoneyBrilliant, Basiq, Fincast and WeMoney. Regional players are Moneyhub and Plum. Broad incumbents are IRESS and Intuit Mint / Credit Karma. Envestnet | Yodlee is listed as an others.
Does Moneysoft have an API?
Yes. Moneysoft provides Complete APIs across their platforms that enable end users to obtain aggregated Account Information in the form displayed on the Moneysoft Technology, and to further access Moneysoft Technology components. APIs are available to support advanced solutions, either stand-alone or embedded within existing applications. Configuration options include white labelling capabilities for business partners. Developer documentation is at www.moneysoft.com.au/solutions/moneysoft-apis.
What industry is Moneysoft in?
Moneysoft's product category is Financial Planning Software. Its primary akta.pro industry code is FSAGAAAH, Personal Financial Management & Budgeting (PFM), with a secondary code of FSAGADAA, Budgeting & Cash-Flow Management. Its NAICS code is 5251 and its SIC code is 6199.