The Financial Operating System for Agencies
Manage clients, projects, time, expenses, invoices, payments, and profitability in one place. Zero arithmetic drift, derived bank ledgers, and 100% free to use.
100% Free · No credit card required · Zero arithmetic drift
Definition
What It Is
Money OS Agency is an end-to-end financial command center built specifically for service agencies, consultancies, and studios that connects operational client delivery directly to double-entry general ledgers.
Who It's For
Target Audience
Digital agencies, software development firms, web studios, design boutiques, and consulting teams with 2 to 100+ team members.
Core Advantage
Why It Matters
Delivers true project-level margin transparency while automating the entire financial cycle from rate card to bank deposit.
Agency Operating System
Master Agency Dashboard
Live Operational & Financial Synchronization
Capabilities
The Complete 7-Pillar Agency Architecture
Project Delivery Models
Time & Materials, Fixed Fee deliverable milestones, and monthly Retainers with real-time budget burn tracking.
Multi-Tier Rate Cards
Contract-specific overrides cascading down to organizational role cards with live browser timers and approval workflows.
Bank-Linked Expenses
Direct general ledger debits from linked bank accounts with customizable client markup percentages.
GST & TDS Tax Invoicing
One-click harvesting of approved time and expenses into tax-compliant invoices with CGST, SGST, IGST, and HSN/SAC codes.
Razorpay Reconciliation
Hosted client payment links with cryptographically verified webhooks that post instant bank ledger credits.
Real-Time Profitability
Continuous calculation of gross margins, contractor COGS, and effective hourly rates across all client accounts.
Process
From Scope to Settled Bank Cash
Scope & Rate Setup
Define client project contract terms, billing milestones, and role rate card hierarchies.
Delivery & Time Logging
Team members log hours; expenses debit from linked bank accounts; managers approve timesheets.
Invoice, Collect & Reconcile
Harvest items into GST invoices, collect via Razorpay, and verify deposits in your general ledger.
Architecture
Related Financial Pillars
Frequently Asked Questions
Direct answers for agency operations and financial teams.
What is the primary difference between Money OS and typical agency management tools?
Typical agency tools manage tasks and tickets but lack double-entry bookkeeping, bank ledger connections, and GST compliance. Money OS unites agency operations with financial accounting in a single verified system.
Is Money OS really completely free to use?
Yes. Money OS is 100% free during beta. We do not require a credit card, there are no artificial 14-day trial restrictions, and all agency features are available out of the box.
How does Money OS protect multi-tenant financial privacy?
Money OS provides strict tenant isolation for every agency workspace, backed by Clerk identity governance, encrypted bank credentials, and cryptographically verified webhook handlers.