The financial operating system for agencies.
Manage clients, projects, time, expenses, invoices, payments, and profitability in one place. Built for digital agencies and service teams tired of spreadsheet chaos and margin blindness.
Free to use · No credit card required · No 14-day trial limit
Designed for Absolute Clarity
Everything your agency needs to know in 30 seconds.
What is it?
Money OS is a complete financial operating system for agencies and service businesses that unifies operational delivery with double-entry general ledgers.
Who is it for?
Digital agencies, software studios, web development firms, design boutiques, and IT consultancies managing client retainers, fixed milestones, and billable hours.
What does it do?
Tracks clients, projects, rates, timesheets, bank-linked expenses, GST/tax invoices, and Razorpay payment reconciliation to calculate exact project margins.
Why should I care?
Most agency founders know their gross revenue, but have zero real-time visibility into project-level profitability. Money OS replaces manual spreadsheets with derived ledgers.
What does it cost?
100% Free to use. Not a 14-day trial. Not a freemium plan with hidden paywalls. Every agency module—from timesheets to GST invoicing and derived bank balances—is completely free for modern teams.
Real agency finances. Zero arithmetic drift.
Most accounting software is either too basic (fragile spreadsheets) or wildly over-engineered (clunky legacy ERPs costing thousands). Money OS connects operational client delivery directly to real double-entry bank ledgers with sub-millisecond responsiveness.
- Derived account balances with zero arithmetic drift
- Two-layer expenses linked directly to verified bank accounts
- Clerk authentication with Portal Users and Billable Contractors
- Compliant GST, HSN & TDS invoices with Razorpay payment links
- Real-time project gross margin & team utilization analytics
Integrated Platform
Complete Agency Financial Workflow
From contract signature to timesheet approval, tax invoicing, and verified bank deposit. Every step operates in complete synchronization.
Project & Milestone Models
Support Time & Materials, Fixed Fee milestones, or recurring monthly Retainers. Define internal cost caps and track budget burn in real time.
Multi-Tier Rate Cards
Cascading rate hierarchies from client contract overrides down to default organizational rate cards. Track hours via live timers or manual entry with manager approvals.
Bank-Linked Expenses
Two-layer approval process. Approved client expenses immediately deduct cash from linked accounts with automated client markup percentage calculation.
GST, HSN & TDS Invoicing
Harvest approved billable hours and expenses into compliant tax invoices. Handles CGST, SGST, IGST calculations, mandatory HSN/SAC codes, and TDS deductions.
Razorpay Payments
Generate hosted payment links directly on invoices. Confirmed payments automatically post credits to your verified bank account ledger via cryptographically signed webhooks.
Project Profitability
Know which clients and projects generate genuine profit. Automatically calculate gross margin after internal workforce costs and billable contractor hours.
Purpose-Built
Tailored for Every Service Agency Model
Whether you bill by milestone or by the hour, Money OS adapts to your delivery architecture.
Digital & Marketing Agencies
Manage recurring monthly client retainers, ad spend reimbursements, and performance creative hours without spreadsheet errors.
Software & Development Shops
Track senior and junior dev billing rates, billable contractor seat costs, sprint milestones, and infrastructure passthrough expenses.
Design & Consulting Studios
Scope fixed-price design sprints, track revision hours, issue tax-compliant milestone invoices, and protect studio margins.
Common Questions About Money OS
Direct, transparent answers about our technology, pricing, and agency financial management.
What is Money OS?
Money OS is a comprehensive financial operating system built specifically for agencies and service businesses. It unifies client projects, multi-tier rate cards, timesheets, bank-linked expenses, GST tax invoicing, and Razorpay payment reconciliation to provide real-time project profitability with zero arithmetic drift.
Who is Money OS designed for?
Money OS is built for digital agencies, marketing agencies, web development studios, software consultancies, design shops, and creative service teams who need to track profitability on fixed-fee, retainer, or time-and-materials projects without complex, expensive enterprise ERPs.
How does Money OS calculate project profitability?
Money OS derives project profitability in real time by comparing total billable revenue (invoiced milestones, approved billable hours, and marked-up expenses) against internal labor costs (contractor and employee hourly cost rates) and direct project-linked expenses.
What does 'zero arithmetic drift' mean?
Unlike traditional accounting spreadsheets or fragmented SaaS tools where balance columns are manually updated or cached in mutable rows, Money OS derives all account balances and financial reports dynamically from verified double-entry ledger entries. Every rupee or dollar is accounted for from entry to bank deposit.
Is Money OS really free to use?
Yes. Money OS is 100% free to use during our beta. We do not require a credit card, we do not impose artificial 14-day trial restrictions, and all core agency financial workflows—including project tracking, timesheets, invoicing, and ledgers—are fully available out of the box.
How does Razorpay payment reconciliation work?
When you issue a GST-compliant tax invoice in Money OS, a secure Razorpay payment link can be automatically attached. When the client completes payment, verified webhooks instantly mark the invoice paid and record the corresponding credit transaction in your linked bank ledger.