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.
Look once. Know where you stand.
Connect your accounts and MoneyLights handles the rest: every transaction is categorised on its own, and the rules learn from your corrections. The Home dashboard answers the one question that matters: am I doing fine?
These states come from the structure of your money — not from guesswork.
Spend on a green light.
As soon as revenue comes in, MoneyLights calculates what belongs to profit, VAT and reserves, and helps you set it aside into real bank accounts — and tracks whether it's actually there. What's left is your Safe-to-Spend. No more "oh, the VAT". And it works with the accounts you already have — at your usual bank or in a free account. MoneyLights always tells you exactly how much to put where.
Ask questions. Get answers with numbers.
Your AI agent sees your data, and only yours. It speaks your language, fixes categories for you and warns you before problems grow.
Tax calculations come from official tables, so it doesn't make numbers up.
And you bring it to life your way: any name and personality you like. In this example, it's Luma.
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 bank
2 minutes. Authentication happens with the bank itself, via open banking (PSD2).
MoneyLights organises
Transactions categorised, VAT calculated and tracked, documents stuck to the right movements.
You decide on a green light
Safe-to-Spend, traffic lights, and your AI agent alongside to answer the rest.
Made for the people who run the business
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.
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