Do I need a credit card to start?

No. The Free plan is $0 and doesn't require payment. You can use the Archetype Quiz, Mood Tracker, and manual budget without paying anything. Upgrades are billed through the App Store or Google Play.

Is a paid plan worth it?

Premium is $9.99/month, but the Founding Member founder price is $59.99 for the full year, less than $0.17 a day. That’s the plan most beauty pros choose because it gets you bank sync, weekly insights, and a cash flow forecast for 50% less than monthly. It’s only available to the first 100 users.

Can I cancel anytime?

Yes. MoneyPOP never charges your card directly. The App Store or Google Play handles billing, so you cancel there in two taps, not with us. Do it before the renewal date and you’re never billed again. iPhone: Settings → your name → Subscriptions → MoneyPOP → Cancel Android: Google Play → your profile → Payments & subscriptions → Subscriptions → MoneyPOP → Cancel You keep the Free plan, Archetype Quiz, Mood Tracker, and manual budget, and nothing you’ve entered gets deleted.

Do I have to connect my bank?

No. Bank sync uses Plaid and is optional. If you'd rather not connect an account, you can still use the Budget Calculator, Archetype Quiz, and coaching tools manually. We never sell user data.

MoneyPOP: find the money habit cutting into your profit.

Beauty pros, get your money archetype, what to watch for, and three practical next steps.

Find my money archetype

Free 2-minute taste test. Email to unlock your result.

Your answers determine your result. Get the full quiz and growth path in the app.

MoneyPOP is a behavioral finance app that combines the psychology of money with financial data to help beauty professionals think, feel and behave better with their money.

Built on the POP framework: Patterns, Opportunities, and Plan.

Before you install

No. Nothing is charged until you pick a paid plan, and you cancel in two taps through the App Store or Google Play.

No. Sync uses Plaid and is optional, or type your income in by hand. We never sell your data.

Patterns, Opportunities, and Plan

Most money apps stop at surface-level language: budget better, save more, get your finances in order. The POP framework says what actually happens inside the app, in three steps.

P
Patterns
What you actually do with money. Income, tips, chair rent, and the mood attached to each money moment, logged together until the repeat shows up: the no-show that turns into a delivery order, the slow week that turns into online shopping.
O
Opportunities
What the pattern reveals you could change. A service priced below its real cost, margin lost to booth rent, a tax set-aside that was never made. Named in dollars, not vague advice.
P
Plan
What you do next. One specific step for this week, and a forecast you can check, so the insight becomes a decision instead of another dashboard you stop opening.

Every free calculator on this site starts with a pattern and ends with a plan. Try one now.

1Thinking

Meet your money personality.

Start with the free Archetype Quiz to see how you think about money. Understand your natural strengths, triggers, and the story behind every financial decision.

Know your type

Five money archetypes, find yours in 2 minutes.

Spot your triggers

The moments that quietly drain your income.

Get your playbook

Steps that fit how you actually handle money.

Behavioral insights

Your moods and your money logged together, so the pattern shows up, not just the receipt.

Personalized coaching

Actionable steps tailored specifically for your archetype.

Take the free Archetype Quiz

Take the quiz to see which archetype you are, no app install needed.

2Feel

Your Money Mood becomes your pattern

This is where MoneyPOP goes further than a budgeting app. It's behavioral finance: every money moment gets a mood attached, and over time your patterns show up, stress-spending after a no-show client stops being a willpower problem and becomes a pattern you can actually interrupt.

Check in after money moments

Get paid, lose a client, book a big day, or cover a booth rent check, log the feeling tied to the money event.

See your mood tax

Not just feelings, the actual dollar impact of stressed, slow-week, or celebration-day spending.

Set money guards

Get a pause prompt before high-risk spending when your Money Mood says you're not in a clear-money headspace.

What a pattern looks like

One mood entry is a moment. A few weeks of them is a pattern, and that's the part a regular budgeting app never shows you.

No-show or cancellationDelivery order that nightRuns 6 of every 8 bad days
Slow weekOnline shopping spikesNearly 3x your normal spend
Big payout dayRetail splurge within 48 hoursThe week that tip actually vanished

3Behave

Know your money behavior

Track income, see your profit margin, and forecast cash flow, so a slow week doesn't turn into a missed rent payment.

1
Take the Archetype Quiz
Answer a few questions and see how you actually handle money. It's free and takes about two minutes.
2
Add your income
Sync your bank through Plaid or enter chair, retail, and tip income by hand. Either way works.
3
See your profit and forecast
Your dashboard shows profit margin for the month and a cash flow forecast for the weeks ahead.

Real profit margin

After booth rent, product, and fees, not just gross sales.

Cash-flow forecast

See slow weeks before they hit your rent payment.

Tax set-aside

Know what to hold back from every payout, automatically.

What makes MoneyPOP different

Built for chair, booth, and tip income

Most budgeting apps assume a paycheck every two weeks. MoneyPOP is built around the way stylists, barbers, nail techs, and estheticians actually get paid. And when your mentor asks for your numbers, you'll have them: profit margin, not vibes. Run it like a business, because it is one.

Your moods become your money pattern

This is the behavioral finance part. Every money moment gets a mood attached, and after a few weeks the pattern surfaces, what triggers your stress-spend, what it's really costing you, and where a small change would actually pay off.

Tax-ready without the shoebox

Income and expenses are categorized for beauty and service pros all year long, so tax prep stops being a March panic attack over a pile of receipts.

Built by the expert you couldn't afford one-on-one

Founded by Janell Borrero (MBA, MAFM, EA), a financial professional who built MoneyPOP based on what she saw beauty pros need. Many can't afford her one-on-one guidance, so she put it inside the app.

The framework, up close

Pattern, Opportunity, and Plan, the three screens MoneyPOP is built on. Four details from the screens you'll actually use. Setup numbers shown, not anyone's real accounts.

The MoneyPOP Pattern screen: reported average monthly revenue of $5,000 and a monthly income goal of $5,250, above a See the Opportunity button. — Your starting point
MoneyPOP opens with the revenue you reported and the income goal you set, sitting side by side. Most budgeting apps open with a category chart of money that's already gone.

The MoneyPOP Opportunity screen: a plain-language paragraph stating the difference between reported revenue and the income goal is $250.00 per month. — The gap, in plain words
The distance between where you are and where you want to be, written out as one sentence: $250 a month. No report to dig through, no chart to decode.

The MoneyPOP Profit Action screen: a short numbered list of three things to review before changing any allocations. — One next step
Three things to check before you change anything, and it says outright what it won't do for you yet. No auto-transfers, no guessing on your behalf.

The MoneyPOP home screen: a Today's Focus row with three cards labelled Pattern, Opportunity and Plan. — Today's focus
Home shows what's worth ten minutes of your attention today, instead of every transaction you've ever made.

Client testimonials

Merlyn C

CEO, Beauty

“This is AMAZING! And easy to track. I love a good easy to digest and read financial tool. My neurospicy brain approves!”

★★★★★

Jen L

CEO, BIYC

“This app left me mind-blown when I reviewed the app. I knew it was going to be good, but this is next level!!”

★★★★★

Ericka L

Esthetician

“I'm going to sign up for premium and connect my bank. This is fantastic. Very user friendly and makes it exciting rather than scary.”

★★★★★

Desi0314

App Store review

“I honestly thought MoneyPOP was such a cute and refreshing concept! 💜 I love how it encourages you to reflect on your relationship with money and recognize patterns you might not have thought much about before.”

★★★★★

ELBMG

App Store review

“I genuinely LOVE this app!! As someone who's on the spectrum, I really appreciate how sensory friendly it is. The colors aren't overwhelming, everything is easy to navigate, and it's all explained in a way that's actually easy to understand! I also love the financial archetype feature because it helps me learn more about myself and my relationship with money, which I think is SO cool! It honestly feels like having my own little personal accountant keeping me accountable without the stress. Plus, having Ella to answer my questions makes everything even easier. It's like having a little financial bestie in my pocket! 💗”

★★★★★

Mama war

App Store review

“An app created by a woman to empower women in the beauty industry. What more could you want? It has benefited me in countless ways. Thank you!”

★★★★★

1 / 6

Janell Borrero, founder and CEO of MoneyPOP

“You shouldn't need a CFO-sized budget to start thinking about your business like one.”

Janell Borrero, MBA, MAFM, EA, Founder & CEO, MoneyPOP

PhD Candidate in Business Psychology

Read why she built MoneyPOP

Free · 2 minutes

Not ready to download? Find your Money Archetype first.

Six quick questions about how you earn, spend, and feel about money. You get your archetype instantly, no payment, no app install, plus the specific money habit that tends to hold that type back and one thing to change this week.

1
Answer 4 questions
About how you handle money and money stress. Takes about a minute.
2
See your archetype
Opal, Sage, Luxe, Halo, or Haze, each with its own money pattern.
3
Get your next step
A short plan for your type, and where MoneyPOP fits if you want it.

Take the 2-min quiz

Free, enter your email at the end and we'll show your results and send you a copy.

Money guides for beauty pros

Practical, no-jargon reads on pricing, taxes, and money patterns for irregular income, written by an Enrolled Agent who works with beauty pros.

View all articles

Beauty studentsFrom beauty school to your first client: the full roadmapRead →

Questions before you download

Yes. MoneyPOP never charges your card directly. The App Store or Google Play handles billing, so you cancel there in two taps, not with us. Do it before the renewal date and you’re never billed again.

iPhone: Settings → your name → Subscriptions → MoneyPOP → Cancel
Android: Google Play → your profile → Payments & subscriptions → Subscriptions → MoneyPOP → Cancel

You keep the Free plan, Archetype Quiz, Mood Tracker, and manual budget, and nothing you’ve entered gets deleted.

Get MoneyPOP on iOS and Android

Start on the Free plan, no payment required. Upgrade through the App Store or Google Play when you want bank sync and your cash flow forecast.

Download on theApp Store

Free plan, no card, cancel in two taps. We never sell your data. Read-only bank access, always.

MoneyPOP: find the money habit cutting into your profit.

Patterns, Opportunities, and Plan

Patterns

Opportunities

Plan