The Financial Operating System for Digital Agencies
Manage multi-client retainers, performance marketing fees, billable contractor networks, and real-time campaign margins in one free platform.
100% Free · No credit card required · Zero arithmetic drift
Definition
What It Is
Money OS for digital agencies is specialized financial management software that integrates recurring retainer billing, ad pass-through expenses, and contractor timesheets with double-entry bank ledgers.
Who It's For
Target Audience
Digital marketing agencies, performance advertising shops, SEO studios, and multi-channel creative service agencies.
Core Advantage
Why It Matters
Provides total visibility into true client retainer margins, ensuring monthly fixed-fee contracts remain profitable after staffing and tool costs.
Digital Agency Retainer Monitor
Q3 Retainer Portfolio Performance
8 Active Digital Retainers · 92% Collection Rate
Capabilities
Tailored for Digital Agency Operations
Recurring Retainer Cycles
Automate monthly retainer billings with preset hour allocations and clear trigger rules for out-of-scope overages.
Ad Spend & Tool Reimbursements
Track client ad platform spend, stock media, and third-party SaaS tools as reimbursable expenses with custom markup rates.
Contractor Workforce Hub
Invite freelance copywriters, media buyers, and designers to log work securely with role-specific billable and cost rates.
GST & TDS Tax Invoicing
Generate compliant tax invoices with proper SAC codes for advertising and digital consultancy, with instant Razorpay links.
Effective Retainer Margin
Calculate the true gross profit on every client retainer by comparing monthly fixed fees against cumulative staff hours logged.
Bank Ledger Accuracy
Every client payout and vendor debit flows through double-entry bank ledgers, eliminating spreadsheet accounting errors.
Process
Digital Agency Financial Workflow
Set Retainer Agreements
Configure monthly contract caps, blended or role-based hourly rate cards, and pass-through markup percentages.
Track Hours & Ad Expenses
Media buyers, strategists, and creatives log delivery hours; tools and third-party invoices are approved against linked bank accounts.
Reconcile & Monitor Margin
Issue monthly retainers via Razorpay, collect webhooks, and review exact net profit per client account.
Architecture
Related Financial Pillars
Frequently Asked Questions
Direct answers for agency operations and financial teams.
Can digital agencies track ad spend pass-throughs separately from service fees?
Yes. Money OS categorizes ad pass-throughs and third-party tools as reimbursable expenses with custom markups, separating client pass-through costs from agency professional service revenue in reports.
Does Money OS support retainer rollover hours?
Money OS tracks hours logged in each monthly period against that period’s retainer allocation, giving you clear visibility into unused hours or scope overages.
Is Money OS for digital agencies free?
Yes, 100% free during beta. There are no limits on client retainers, contractor seats, or invoice generation.