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MoneyLights Docs

What is MoneyLights?

MoneyLights is a financial management tool for European small businesses and the self-employed. It connects to your bank accounts, organises your transactions and forecasts your cash flow so you can answer the one question that keeps business owners up at night: “Will I make it through the next few months?”

The core idea

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Your bank balance is not clarity. A healthy balance today can hide a tax bill, a supplier payment or a quiet month ahead. MoneyLights turns your raw banking data into a clear picture of what is genuinely safe to spend — and organises the rest so you can decide calmly, not anxiously.

What you can do

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  • See every movement in one place. MoneyLights pulls transactions from all your connected accounts via secure Open Banking and keeps them up to date.
  • Understand where money goes. Transactions are categorised automatically, and you can refine the rules so future movements are sorted the way you want.
  • Forecast your cash flow. Projections show where your balance is heading so surprises become decisions you make in advance.
  • Organise with envelopes and budgets. Set money aside for taxes, owner pay and fixed costs, and track spending against plan.
  • Keep your paperwork together. Attach invoices and receipts to transactions, including documents received by email.
  • Ask your AI assistant. Get plain-language answers about your finances and let the assistant handle routine tasks for you.

Who it’s for

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MoneyLights is built for owners of small businesses and independent professionals across 11 European countries who need clarity and predictability — not another spreadsheet. It treats VAT as pass-through, follows Open Banking (PSD2) by design and is GDPR-compliant from day one.

Next steps

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