The problem isn't your business — it's the formula.
Revenue looks good, but by the 28th nobody knows where the money is. The VAT "seemed to be there". The spreadsheet has three tabs and nobody understands any of them anymore.
⚠ Profit is what's left — if anything's left. In practice: decisions made staring at the balance, zero predictability, constant stress.
✨ First you pay yourself. You protect what already has a purpose: profit, taxes, reserves. Operations are paid from what's left. This is what Moneylights teaches you to do, every day.
Sounds like a detail. It changes everything.
Your balance isn't money you can use.
The bank shows you what you have. Moneylights shows you what you can actually use: it helps you keep taxes and reserves in real bank accounts and tracks whether they're there. What's left in the operations account is your Safe-to-Spend — and alongside it you see how much stays free after your budget commitments. It works with the accounts you already have.
Look once. See what's coming.
Build the year's budget — on your own or with the AI agent — and Moneylights projects the months ahead from your real balance: expected revenue, taxes, salaries, suppliers, recurring costs. The months that come out tight are flagged in Cash Flow, before they arrive.
These states come from the structure of your money — not from guesswork.
Find out where the business actually makes money.
See the margin on every project and the client it belongs to: which ones carry the company and which ones burn cash without turning a profit — plus which clients bring in the most revenue. You decide where to invest, what to renegotiate and what to turn down — on numbers, not on instinct.
Ask it what you'd ask your CFO.
The agent sees your data, and only yours. It answers with your company's numbers — cash flow, taxes, salaries, margins — and when there's a decision to make, it tells you what it recommends.
Every number it shows is traceable to your own data — transactions, budget, Envelopes — and when it doesn't know, it tells you instead of making numbers up.
Meet the Financial AI Agent — answers grounded in your numbers.
Never chase invoices again.
Forward invoices by email to your Moneylights address, or snap a photo. Each document sticks itself to the right transaction. At month-end, you hand everything to your accountant — no shoeboxes.
How it works
Connect your business
You connect your bank accounts in two minutes and the transactions start arriving on their own — you authenticate with your own bank, via open banking (PSD2). Invoices come in by email or photo.
Moneylights organises
Transactions categorised, invoices stuck to the right movement, VAT and reserves calculated and tracked separately.
Moneylights forecasts
With your budget, it projects cash flow for the months ahead — taxes, salaries, recurring costs — and flags the tight months.
You decide
Safe-to-Spend, the traffic light, alerts and the AI agent alongside to answer the rest.
Made for the people who make the decisions
We're new. And that's good for you.
Moneylights is evolving fast. You talk directly to the people who build it, and your feedback becomes a feature — sometimes the following week. No lock-in contracts: you stay because you want to.
Real people, real answers.
When you write, you get answers from the people who build the product. No support bots, no being passed from department to department.
Frequently asked questions
Clarity to decide, peace of mind to grow.
Shine a light on your business.
14 days free · No credit card · Cancel whenever you like