Rebuilding the numbers every month
You reopen the file, hunt for last month's balances, retype them, and only then start coaching. Across a caseload of twenty five clients that is a full working day a month.
7.5 hours a month, unbillable
Financial coaching software
Put her whole money picture on one map, then prove the plan moved
Your client leaves the session clear and steady. Four weeks later nobody can say what changed, and the next hour goes to reconstructing the numbers instead of coaching them.
MoneyMapCoach holds the budget, the goals and the milestones in one document you both open, and records each monthly check in against it.
- 311 practicesCoaching in 44 US states
- Bank grade hostingEncrypted at rest, SOC 2 aligned
- One afternoonFirst client mapped the same day
The gap between sessions
The coaching is sound. The record of it is scattered.
Most practices we meet run on a spreadsheet built for one client and copied twenty times, a folder of PDFs, and a memory of what was agreed in March. That works until the caseload passes a dozen people.
Goals nobody can measure
"Pay down the card" and "get serious about retirement" feel like progress in the room. Without a target figure and a date they cannot be scored, so neither of you knows whether the month worked.
No baseline, no proof
Clients drifting after session four
Engagement drops when the plan lives on your laptop instead of hers. Coaches tell us the fifth and sixth months are where six month packages quietly end.
$1,140 per lapsed engagement
Divorce and inheritance files
A midlife money decision arrives with settlement statements, a pension estimate and two attorneys. Loose notes are the wrong container for work that may be reviewed later.
Hours of retracing
Referrals you cannot evidence
When a CPA or a family attorney asks what your clients actually achieve, an anecdote is all you have. Aggregate outcomes sit trapped in twenty separate spreadsheets.
Referral pipeline stalls
Handover risk in a two coach practice
If your associate covers a session, she starts from scratch. There is no single place that says where this client stands, what was promised, and what comes next.
45 minutes of prep per cover
How it works
Map it once, then walk the path together
Four moves. The first takes about twenty minutes per client, the rest are the rhythm of your practice.
-
Build the money map
Enter take home pay, fixed commitments, variable spending and every balance owed or saved. The map lays it out as a gridded plan table she recognizes from her own bank statements, not as a pie chart.
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Set milestones with figures and dates
Turn each goal into a target amount and a target month: $9,000 of reserve by June 2027, the auto loan closed by March. Milestones sit on a path, so she can see the order they arrive in.
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Share the plan document
One link opens the live plan on her phone. She sees the same figures you see, updated after every check in, with no login puzzle and nothing to download.
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Run the monthly check in
Open the check in screen, record the current balances, and the map recalculates the path. Anything ahead or behind is flagged before the call, so the session starts with a decision rather than data entry.
- Baseline set
Week one
- First milestone lit
Month two or three
- Debt line crosses zero
Usually month nine
- Plan renewed
Month twelve review
Inside the product
Built for the way a coaching hour actually runs
Every screen was drawn with practicing coaches, then cut back until nothing was left that you would not use in a live session.
Gridded plan tables
Income, commitments, flexible spending and reserves sit in one ruled table with tabular figures that line up down the column. Clients read it the way they read a statement, which removes the usual ten minutes of orientation.
Milestone path
Each goal becomes a marker with an amount, a month and a status. Markers light up as they are met, so a client who has been paying down a balance for eleven months can see exactly how much path is behind her.
Monthly check in log
A dated record of every balance you captured and every commitment made in the session. Twelve months in, the log is the story of the engagement and it writes itself as you work.
Shared plan document
One link gives your client a read only view of the live plan, and one click gives her a printable version for the kitchen drawer. You control what is visible and can revoke the link at any time.
Scenario columns
Put the current plan beside a what if column: part time hours from September, a refinance, one adult child moving out. She compares two real futures side by side instead of holding them in her head.
Practice roll up
One view across your whole caseload showing who is due for a check in, whose milestones slipped and what the practice achieved this quarter. It is the number you give a referring CPA when she asks what you do.
What changes
Fewer admin hours, longer engagements, cleaner evidence
Figures below come from 118 practices that ran on MoneyMapCoach for at least two full quarters between January 2025 and June 2026.
6.1 hours
Given back each month
Prep collapses because balances are entered once, in the check in screen, and everything downstream recalculates. Coaches carrying twenty to thirty clients report the largest gain.
+3.4 months
Average engagement length
When a client can open the plan between sessions and watch a marker light up, she renews. Practices measured this against their own prior year, not against an industry benchmark.
92%
Check ins completed on schedule
The roll up shows who is due this week, so nobody slips two months without contact. Missed check ins were the single strongest predictor of a client leaving early.
| Milestone | Target | Target month | Status |
|---|---|---|---|
| Starter reserve | $2,500 | March 2026 | Met, one month early |
| Store card closed | $1,840 | July 2026 | Met |
| Auto loan closed | $7,300 | February 2027 | On path |
| Six month reserve | $14,200 | September 2027 | On path |
| Retirement contribution raised | 9% of pay | January 2028 | Scheduled |
Coaches on the record
What practicing coaches say after a year
I coach women who are three years out from an inheritance decision or two years out from a divorce settling. The map is the first tool that let me show one of them, on her own phone, that eleven months of hard choices had actually moved the needle. She cried, then she renewed.
We were running twelve tabs per client in a shared spreadsheet and losing an afternoon a week to it. Now my associate can pick up any file cold and know within a minute where that household stands. Cover sessions stopped being a problem in about six weeks.
The scenario columns earn their keep in the room. A client asked what dropping to four days would really cost her, and instead of promising to look into it I put both columns on the screen while she watched. She booked another six months that afternoon.
311
US practices mapping clients today
24,900
Check ins recorded since launch
4.8 / 5
Average rating from coaching customers
Who this fits
Made for coaches whose clients are making decisions with real weight
MoneyMapCoach was built with practices working on midlife money: the years around a divorce, a caregiving decision, a career change at fifty, an inheritance that arrives with more questions than cash.
It fits your practice if
- You carry between five and sixty active clients and you are the one keeping the records.
- Your engagements run three months or longer, with a monthly or twice monthly check in.
- You want the client holding the plan between sessions, on her own phone.
- You need to hand a file to an associate without losing an hour of context.
- You are asked, by a referring CPA or attorney, what your clients actually achieve.
It is the wrong tool if
- You are a registered investment adviser wanting portfolio modeling or trade execution.
- You want automated bank feeds. Balances here are entered in the check in on purpose.
- You run one off audits with no follow up, since the value sits in month two onward.
- You need tax preparation, payroll or bookkeeping. This is a coaching record, not a ledger of account.
- You want the software to tell your client what to do. It never will.
| Before | After | Time returned per month |
|---|---|---|
| Duplicated client spreadsheet | Money map with gridded plan tables | 3.2 hours |
| PDF plan emailed after each session | Shared plan document on a live link | 1.4 hours |
| Notebook of session commitments | Dated monthly check in log | 0.9 hours |
| Manual reminder list of who is due | Practice roll up with due dates | 0.6 hours |
Pricing
Priced against one coaching hour, not against a seat count
Every plan carries unlimited client maps, the shared plan document and the full check in log. The difference is how many coaches work inside the practice.
Solo Coach
$29 per month
For the independent coach carrying her own caseload.
- One coach login
- Unlimited client money maps
- Milestone path and check in log
- Shared plan document links
- Printable plan for every client
- Email support within one business day
Practice
$69 per month
For a practice of two to five coaches sharing a caseload.
- Up to five coach logins
- Everything in Solo Coach
- Practice roll up across all clients
- Scenario columns and what if planning
- Shared templates for standard packages
- Client handover notes between coaches
Coaching Firm
$145 per month
For firms running multiple coaches with reporting duties.
- Up to twenty coach logins
- Everything in Practice
- Quarterly outcome reporting for referral partners
- Role permissions and audit trail
- Bulk export of every plan and check in
- Onboarding session for the whole team
All prices are in US dollars and billed monthly. There is no annual commitment, no setup fee and no per client charge. You can cancel at any time from inside your account and keep access until the end of the paid month, and your data stays exportable for ninety days after that.
Questions coaches ask first
Straight answers before you book time with us
You pay for coach logins, not for clients. Solo Coach is $29 per month for one coach, Practice is $69 per month for up to five, and Coaching Firm is $145 per month for up to twenty. Client maps, check ins, plan documents and printable plans are unlimited on every plan, so a busy month never costs you more than a quiet one.
Most coaches map their first client within an afternoon of getting access. Building a map from a completed intake form takes about twenty minutes the first time and closer to ten once you know where things live. If you are migrating an existing caseload, send us your spreadsheet and we will import the balances and goals for you at no charge on any plan.
Data is encrypted in transit and at rest on servers in the United States, with daily backups held for thirty days. We do not connect to bank accounts and we never ask for client banking credentials, because balances are entered by you or by your client during the check in. The data belongs to your practice, we do not sell it, and you can export every plan as CSV and PDF whenever you want.
Yes. Calendar links from Calendly and Acuity drop straight onto the check in schedule, and completed check ins can push a summary to your scheduling notes. Every map exports to CSV for your bookkeeping, and the printable plan is a clean PDF you can attach to any client email or upload to a portal you already use.
You cancel from inside your account in two clicks and keep full access until the end of the month you already paid for. Nothing is deleted at that moment: your plans and check in logs stay exportable for ninety days so you can take everything with you. After ninety days the account and its client records are permanently removed, and we will confirm that by email.
That worry is fair, and it shaped the design. There is no dashboard theater, no score, no badge and no notification that nudges your client behind your back. The map is one table and one path, and coaches tell us they share the screen for about five minutes of an hour and spend the rest of the session on the conversation the numbers opened.
The Coaching Ledger
The magazine for financial coaches, written for the practice you actually run
Compliance lines, intake craft and the numbers behind a solo practice. Three recent pieces, and nine in all.
regulation and compliance
When does financial coaching cross the line into investment advice I have to register for?
Coaching is unregistered work until you give specific securities advice for compensation. Here is where the Advisers Act line sits, what state registration adds, and how to keep sessions on the safe side.
practical guide
How do I build a first budget map with a client who is newly divorced?
A post divorce budget rests on documents most clients have not gathered yet. This walks the first ninety minutes, from decree obligations and title changes to a spending baseline she will actually recognize.
comparison
Should I get the AFC or the FFC credential before I take on paying clients?
Both credentials signal competence to clients and employers, but they differ in coursework, supervised hours, exam structure, cost and renewal. Here is a side by side read for a solo practice.
Book a walkthrough
Bring one real client file and we will map it with you
Thirty minutes, screen shared, no slides. You bring an anonymized intake sheet from a client you are actually coaching, and we build the map together so you can judge the tool on your own numbers rather than on a demo account.
Requests are read by a person, usually the same day. If MoneyMapCoach is a poor fit for how your practice runs, we will tell you plainly rather than book a second call.
- No card required
- No sales sequence
- Import help included
One reply from a person, no automated sequence, no card details ever collected on this site. For a client budget map question before you even sign up, email jimenezjulien42@gmail.com and it lands in the same inbox.