agent-first budgeting
Agent-first budgeting that tracks every project’s burn.
Per-project P&L for the founder running five things on one card. No entity required.
no entity required · no card to apply for · live in three steps
what it is
A budget that thinks in projects, not entities.
foundr.money sits over the accounts you already have and slices every dollar by the project that spent it — no incorporation, no new card, no bookkeeper.
Connect
Link a personal card through Plaid and point us at your OpenAI, Anthropic, Vercel and Supabase invoices. Consumer auth — we issue nothing, so there is no EIN to hand over.
Tag
Every charge gets allocated to a project. Rules clear the recurring spend for free; a cheap model suggests the rest with a confidence score. Anything unsure waits for one tap.
Watch
See per-project P&L and burn across the whole portfolio — five projects on one card, one screen. Finally answer which project caused that surprise bill.
how it works
Three steps, in order.
No chart of accounts to configure. No double-entry to learn. Connect, tag, watch.
01
Link your card and your invoices.
Plaid connects a personal card in a few clicks. Add your cloud and AI bills so OpenAI, Vercel and the rest land as first-class line items — not a mystery charge on a statement.
02
Let it tag in the loop you already work in.
Connect the MCP server to Claude Code or Cursor. Rules tag the recurring spend instantly; the agent asks you about the one charge it cannot place — right where you make the decision.
03
Watch each project burn.
Per-project P&L updates as charges settle. See portfolio-wide burn, total MRR across every Stripe account, and a tax-aware export when a project finally graduates.
what makes it different
Five things nobody else does for this founder.
Every incumbent was built for an incorporated business with a finance team. None of those assumptions hold for you.
01
Project-first, not category-first.
A project is the spine of the data model — a real allocation axis, not a billable tag bolted onto a category. One charge can split across two projects and still reconcile to the cent.
02
Built for the micro-startup.
The three-to-ten-person team running several things at once is the whole point — not an edge case we tolerate. The product graduates with you instead of forcing a rebuild.
03
Agentic tagging over MCP.
Connect from Claude Code or Cursor and tag transactions in the loop where you already make decisions. The agent surfaces the one charge it cannot place and you resolve it without leaving the terminal.
04
AI and cloud spend, first-class.
OpenAI, Anthropic, Vercel and Supabase ingest as itemized line items — and where the provider exposes a native project dimension, it auto-tags to the right project with no decision.
05
No entity required.
We do not issue a card, so we have no KYB obligation and never ask for your EIN. foundr.money is software over your Plaid-linked personal accounts. A sole proprietor is a first-class user.
the gap
They were built to turn you away.
These are not our characterizations. They are the incumbents' own words about who they will and will not serve.
“not accepting individuals, sole proprietors, and other types of unregistered businesses”
Ramp support
The target user is rejected at the door. The EIN gate cannot be waived.
“$50K minimum cash and a US EIN required”
Brex eligibility
A structural requirement, not a policy choice — because they issue a card.
“Schedule-C-only — no S-corp, no balance sheet, no per-project P&L”
Intuit
Per-project profit only exists at Plus, billed per legal entity.
foundr.money issues nothing. It is software over your Plaid-linked personal accounts — so the entity gate that keeps you out of every card program simply does not apply.
why it exists
Five things you have said out loud.
Solo founders don’t have CFOs. These are the gaps nobody built for — until now.
- 01
“Which project caused that surprise bill?”
- 02
“I have multiple Stripe accounts and no idea what my total MRR is.”
- 03
“I got denied by Brex and Ramp for being too small.”
- 04
“QuickBooks is solving a problem I don’t have.”
- 05
“Tax time = shoebox + panic + bookkeeper cleanup fees.”
pricing
One card, five projects, one subscription.
Starts at $19/mo. Versus roughly $575/mo and five incorporations to get the same per-project view out of QuickBooks.