HowToSpend.com is a personal finance planning tool that helps users pay off debts earlier and reach financial goals. Unlike other services, it does not require manual entry of each transaction, and it provides useful cash flow predictions rather than just reports. Users input regular income, expenses, debts, goals and dates. The system analyzes this to predict optimal cash flows and provide a personal financial plan for months or years ahead. It has over 3,500 users and received an award and grant for being a top cloud startup. The company plans to launch iOS mobile apps in the coming months.

1. HowToSpend.com
your personal finance planner

2. HowToSpend.com -
your personal finance planner
● HowToSpend.com — new level of personal finance
soſtware.
● We help our customers pay off debts earliear and reach
financial goals.
● We are not ordinary PFM-service.
● We don't force our clients to input each transaction
manually.
● We don't build beautiful and useless money spending
reports.

3. HowToSpend.com -
your personal finance planner
How it works
Total
Income
General
expenses
Debts
Financial
Goals
Personal
Financial
Planning
● Our system used for financial flows
prediction.
● User inputs all his financial data: regular
incomes, regular expenses, debts (mortgage,
student loans, consumer loans), goals and
dates for reaching, deposits.
● System analyzes all of this and get clear
detailed info about optimal user cash flow in
future as result.
● Wherein, it also works as PFM system!

4. USA,
Europe:
Mint.com
Learnvest
Figlo,
FinanBx
(B2B)
Russia
(only
PFM)
Easyfinance,
Дребеденьги,
Дзен-­‐мани,
Хани-­‐мани,
Домашняя
бухгалтерия
etc…
HowToSpend.com -
your personal finance planner
Competitors

5. HowToSpend.com -
your personal finance planner
Competitors
HowToSpend.com
Helps
to
create
personal
financial
plan
for
month,
quarter,
year
ahead,
based
on
the
goals
of
each
individual
user
ExisBng
systems
Don't
ask
the
quesBon
how
to
save
money
for
reaching
financial
goals

6. HowToSpend.com -
your personal finance planner
Promotion
based on of the expert's reputation
Expansion
Advertising (adwords etc)
Growing
With partners (distribution), referal system,
covert marketing, company blog
Launch
Promotional page, targeted ads, thematical distribution, service
review, social networks (groups)

7. Users
Paid
access
to
full
version
$10
per
month
$100
per
year
Mobile
applicaBons
iOS
Android
Partners
Selling
targeBng
ads
to
financial
insBtutes
based
on
debts
and
goals
informaBon
Banks
(credits,
deposits,
etc)
Insurers
Brokers
Retail
HowToSpend.com -
your personal finance planner
Where the money?

8. λ From 20.11.12 to 01.06.13 — more than 3500 users
λ As result of 3 month activity we got BB rating by version of RSI
λ On Demo Europe 2013 project has got $60000 grant and award
named «Best cloud startup» by Microsoſt.
HowToSpend.com -
your personal finance planner
Achievements
Objectives
λ june-july 2013 – iOS version of financial planner
λ August-september 2013 – iOS version of service

9. ● Team:
λ Dmitry Maslennikov – CEO.
λ Evgeny Goncharov – main developer
HowToSpend.com -
your personal finance planner

10. HowToSpend.com -
your personal finance planner
contact@kudapotratil.ru
www.kudapotratil.ru