Qlife Money
Qlife Money (VGM LLC) is a US fintech providing an LGBTQ+-focused personal finance app, business marketplace, and embedded business banking, using identity-first design and AI categorization to serve LGBTQ+ consumers and small businesses.
- Company typePrivate
- Founded2021
- HeadquartersLas Vegas, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Qlife Money does
Qlife Money (operating as VGM LLC, a Nevada-registered entity founded in 2021) is a US-based fintech company that builds a personal finance management application targeted at LGBTQ+ consumers and small businesses. The product differentiates from mainstream PFM tools (Mint, YNAB, Credit Karma, Monarch, Rocket Money) through identity-first design primitives including chosen name, pronouns, and deadname suppression, which are embedded into the core data model rather than added as cosmetic settings. The company also operates an LGBTQ+-focused business marketplace and offers embedded business banking accounts.
The platform is built on standard third-party fintech infrastructure: Plaid for account aggregation, Stripe for payment rails, and Fifth Third Bank as the partner bank for FDIC-insured deposit accounts, with accounting integrations into QuickBooks, Xero, and FreshBooks. Application-layer AI features include per-user transaction categorization, receipt OCR, and a Premium-tier "Ask QLife" AI assistant; no proprietary AI models or training pipelines are disclosed. The NGLCC (National LGBT Chamber of Commerce) Flagship partnership anchors community distribution and segment credibility.
The business model is a freemium subscription with five tiers: Free, Pro at $9.99/month (or $83.99/year), Premium at $14.99/month (or $125.99/year), Business at $45/month, and Marketplace Featured listings at $15/month (with a free Basic tier). Go-to-market is self-serve product-led growth supplemented by community-led distribution via NGLCC and the marketplace. Headcount is reported as 1-10 employees with no external funding disclosed, indicating a bootstrapped early-stage operation.
Qlife Money firmographics
Firmographics- Name
- Qlife Money
- Legal name
- VGM LLC
- Website
- https://qlife.money
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Qlife Money (VGM LLC) is a US fintech providing an LGBTQ+-focused personal finance app, business marketplace, and embedded business banking, using identity-first design and AI categorization to serve LGBTQ+ consumers and small businesses.
- Ownership category
- akta.pro rank
Qlife Money industry classification
Industry- Product category
- Personal Finance Management
- SIC
- Finance Services (6199), Investment Advice (6282)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
- akta.pro secondary industry
- Personal Financial Management & Budgeting (PFM) (FSAGAAAH)
Keywords
Where Qlife Money is headquartered
LocationHeadquarters
- HQ city
- Las Vegas
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Qlife Money business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Consumer Subscriptions (Pro & Premium): Monthly or annual subscription tiers for personal finance management. Pro at $9.99/mo or $79/year; Premium at $14.99/mo or $129/year. Includes auto-renewal with 14-day trial.
- Business Account Subscription: Monthly or annual subscription for QLife Money for Business accounts. $45/month per business or $450/year. Includes business account, auto-categorization for Schedule C, QuickBooks/Xero/FreshBooks export, NGLCC tracking, and multi-owner role-based access.
- Marketplace Featured Listings: Premium marketplace placement for LGBTQ+-owned and allied businesses. $15/month or $150/year. Includes featured search placement, analytics, member-only offers, and newsletter highlight.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free trial tier with basic features |
| Subscription | Annual | Core personal finance for most users |
| Subscription | Annual | Full-featured with investment tracking |
| Subscription | Annual | Business account for self-employed and small business |
| Freemium | Monthly | Basic marketplace listing for LGBTQ+ businesses |
| Subscription | Annual | Premium marketplace visibility |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Qlife Money product offering
Product offeringCore offering
QLife Money is a personal finance management platform that aggregates bank, brokerage, retirement, HSA, 529, and loan accounts across 13,000+ institutions; uses AI to categorize transactions; tracks investments, equity comp, liabilities, and net worth; and captures receipts through OCR and email forwarding. It also offers QLife Money for Business, a Stripe-powered small-business checking account with Schedule C auto-categorization and NGLCC compliance tracking, and a national directory marketplace where LGBTQ+-owned and allied businesses can be discovered by community members.
Product overview
QLife Money is a unified personal finance management platform consisting of a core consumer product (QLife Money) with three subscription tiers — Free, Pro ($9.99/mo), and Premium ($14.99/mo) — plus a companion sub-brand for small businesses (QLife Money for Business, $45/mo) and a national LGBTQ+-owned and allied business directory (Marketplace, with Basic/free and Featured/paid tiers). All plans share the same dashboard and Shoebox module for receipt capture, while the Pro and Premium tiers differentiate on account limits, investment tracking, equity comp, and AI features. QLife Money for Business adds a Stripe-powered business checking account, Schedule C auto-categorization, and multi-owner access. The Marketplace is accessible both as a standalone free directory listing and as an upsell to Featured placement.
Differentiator
Problem solved
Functional benefit
Products and services
- QLife Money Personal finance management platform for individual consumers that aggregates bank, credit card, brokerage, retirement, HSA, 529, and loan accounts; uses AI categorization with learned corrections; tracks investments, equity comp, liabilities, and net worth; captures receipts via OCR and email forwarding; exports tax-relevant data; and supports household sharing. Built with identity-first design including chosen name, pronouns, deadname suppression, and flexible household modeling.
- QLife Money for Business Subscription product for sole proprietors, LLCs, and multi-owner small businesses providing a Stripe-powered business checking account (funds held at Fifth Third Bank, N.A., with FDIC pass-through insurance up to $250,000), auto-categorization for Schedule C, one-click export to QuickBooks, Xero, and FreshBooks, NGLCC compliance tracking with certification badge display, multi-owner role-based access, and EIN-only verification for trans and nonbinary entrepreneurs.
- QLife Money Marketplace National marketplace directory allowing LGBTQ+-owned and allied businesses to list themselves for discovery by QLife Money members. Featured listings add prominence in search results, analytics on views/clicks/follows, member-only offers and promotions, and inclusion in the QLife newsletter. Listed businesses appear in member spend dashboards so subscribers can see how their spending stays within the community.
Quantifiable outcome
- 13,000+ financial institutions can be linked
- +3 more outcomes
Companies that use Qlife Money
Customer profileSegments4 records
Ideal customer profiles3 records
Qlife Money technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability7 records
Feature7 records
Qlife Money partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and flagship.
- StripecoreQLife Money partners with Stripe Payments Company for money transmission services and financial account services. Stripe-powered features include QLife Money for Business financial accounts (funds held at Fifth Third Bank, N.A., Member FDIC), platform payments via Stripe Connect, and Stripe Financial Connections for some institution links. Users agree to Stripe Services Agreement, Stripe Connected Account Agreement, and Stripe Financial Accounts for Platforms Terms.
- Plaid Inc.corePlaid provides personal account linking for most personal financial account connections. Plaid collects credentials directly — QLife Money never sees bank usernames or passwords. Plaid acts as service provider for retrieving balance, transaction, identity, holdings, liability, and payroll data. Governed by Plaid End User Privacy Policy.
- NGLCC (National LGBT Chamber of Commerce)flagshipNGLCC certification tracking built into QLife Money for Business. Businesses can display NGLCC certification badges on marketplace listings. The partnership positions QLife Money as the go-to financial platform for LGBTQ+-owned businesses.
- QuickBooks, Xero, FreshBookscoreQLife Money for Business includes one-click export to QuickBooks, Xero, and FreshBooks for Schedule C categorization and accounting integration.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Qlife Money competitors and assessment
Company assessmentBroad incumbents
- Empower (Personal Capital): Established PFM with deep investment tracking, net worth, retirement planning, and now cash management. Competes with QLife Money Premium on investment holdings and cost basis.
- Credit Karma: Free PFM owned by Intuit with credit monitoring and lead-generation monetization. QLife Money positions against Credit Karma specifically on data-selling practices.
- Quicken Simplifi: Subscription PFM from Intuit (post-Mint shutdown) targeting migrating Mint users. Directly comparable in feature set and target user seeking Mint replacement.
Direct peers
- Monarch Money: Subscription-based PFM platform with bank aggregation, investment tracking, household sharing, and AI categorization. Direct head-to-head competitor explicitly named on QLife Money's comparison page.
- YNAB (You Need A Budget): Long-standing subscription PFM focused on zero-based budgeting with bank sync. Same target buyer (budget-conscious consumers) and same self-serve subscription model as QLife Money.
- Rocket Money: Subscription PFM with bank aggregation, budgeting, bill negotiation, and premium tiers. Owned by Rocket Companies; directly comparable on price points and feature breadth.
Others
- Stripe: Infrastructure partner powering QLife Money's money transmission, business banking, identity verification, and KYC. Not a competitor — but a critical enabler whose economics shape QLife Money's business banking unit economics.
- NGLCC: National LGBT Chamber of Commerce — the certification body QLife Money integrates with and surfaces in its marketplace. Strategic partner rather than competitor, but functionally shapes the marketplace's value proposition.
Emerging players
- Origin: Subscription financial planning platform combining budgeting, cash flow forecasting, and goal-based planning. Comparable on subscription PFM mechanics with an emphasis on planning over categorization.
- Copilot Money: Design-forward, mobile-first PFM with bank aggregation, investment tracking, and category customization. Comparable in modern UX, subscription pricing, and investment-tracking emphasis.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Qlife Money social profiles
Digital presenceQlife Money compliance and trust
Trust signalCompliance1 record
Qlife Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
Qlife Money leadership team
Management profileNumber of profiles
Qlife Money funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Qlife 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 Qlife Money
What does Qlife Money do?
QLife Money is a personal finance management platform that aggregates bank, brokerage, retirement, HSA, 529, and loan accounts across 13,000+ institutions; uses AI to categorize transactions; tracks investments, equity comp, liabilities, and net worth; and captures receipts through OCR and email forwarding. It also offers QLife Money for Business, a Stripe-powered small-business checking account with Schedule C auto-categorization and NGLCC compliance tracking, and a national directory marketplace where LGBTQ+-owned and allied businesses can be discovered by community members.
Is Qlife Money a public or private company?
Qlife Money is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Qlife Money founded?
Qlife Money was founded in 2021. It employs 1 to 10 people.
Where is Qlife Money based?
Qlife Money is headquartered in Las Vegas, United States, in the North America region.
How does Qlife Money make money?
Three revenue lines are on record. Consumer Subscriptions (Pro & Premium) is the primary driver. The others are business Account Subscription and marketplace Featured Listings.
Who are Qlife Money's main competitors?
Broad incumbents on record are Empower (Personal Capital), Credit Karma and Quicken Simplifi. Direct peers are Monarch Money, YNAB (You Need A Budget) and Rocket Money. Others are Stripe and NGLCC. Emerging players are Origin and Copilot Money.
Does Qlife Money have an API?
No public API is recorded for Qlife Money.
What industry is Qlife Money in?
Qlife Money's product category is Personal Finance Management. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management, with a secondary code of FSAGAAAH, Personal Financial Management & Budgeting (PFM). Its SIC code is 6199.