Empowering People & Their Finances .
Investment Opportunity
Capital Raise
Launch Timeline
Use of Funds
Seed Investment Opportunity
Phase 1 - B2C Commercial Product
Launch the consumer-facing application with core features including expense tracking, collaborative goal-setting, and mindful money practices.
Phase 2 - FY 2026
Expand into B2B licensing opportunities with financial advisers, accountants, and banks, while exploring strategic acquisition opportunities.
Market Opportunity
Australia's corporate wellness market (which includes financial wellness as part of broader employer wellness programs) is estimated at USD $293.97 million in 2023 and projected to grow to ~USD $379 million by 2029 .
Market data validated by Mesh AI independent review, including Penny Stack GTM Rollout plan and 3-year Market Strategy. 5.07 million women in Australia are interested in financial wellness.
Business Model
B2B Licensing
License a version to financial advisers, accountants, or banks. These professionals can offer the app as a value-added service to their clients, integrating it into their advisory services.
Subscription Fees
Offer a premium version of the app that provides advanced features like detailed financial analytics, personalised financial coaching, and additional savings vaults.
Value Proposition
Long-Term Financial Engagement
Designed to build sustained traction across diverse financial cohorts, from young professionals to families and couples, encouraging consistent financial growth and behaviour change.
Customer Retention & Lifetime Value
Penny Stack empowers users to stay connected through every stage of their financial journey, driving customer loyalty, cross-sell & upsell opportunities, and nurturing relationships that last from cradle to legacy.
R&D and Tax Efficiency
Eligible for R&D tax incentives through the ATO, ensuring that innovation costs are strategically leveraged to maximise shareholder value.
Government Innovation Leverage
Actively positioned to secure federal and state innovation grants, matching private investment dollar-for-dollar to accelerate growth and impact.
Attraction of High-Net-Worth Users
With integrated investment capabilities — including shares, crypto assets, and diverse portfolio tracking, Penny Stack appeals to affluent users seeking a holistic view of their wealth in one intuitive platform.
Smart Marketing Integration
Built-in functionality for both push and pull marketing, allowing users to opt into personalised reviews and financial health check-ins, enhancing engagement while driving organic growth.
Deep Customer Engagement
Through emotional and financial insights, Penny Stack creates a transformational user experience that goes beyond budgeting, fostering meaningful connections and ongoing interaction.
Differentiated Digital Experience
A customer-centric, data-driven platform designed to blend financial clarity with emotional wellbeing, redefining what a digital financial wellness tool can be.
Enhanced Customer Wealth & Retention
By enriching both the customer experience and their financial outcomes, Penny Stack strengthens loyalty while driving sustainable revenue growth.
Valuation History
| Valuer | Method | Valuation | Date |
|---|---|---|---|
| HYPER | Berkus | $900k | December 2024 |
| Mesh AI | Blue Ocean Strategy validation | x12 multiplier | September 2025 |
| Penny Stack | Berkus | $1.8M | September 2025 |
| Penny Stack | Berkus | $2.5M | December 2025 |
Blue Ocean Strategy Validation: Penny Stack has been independently assessed as a Blue Ocean market opportunity. Valuation multipliers: IT SaaS (x6-x7), Digital native app (x10), Blue Ocean AI app (x12-x15). This positions Penny Stack for significant valuation growth potential.
Traction & Milestones
2025 Achievements
Pre-seed investment secured • Advisory board created • Partnered with Benchmark Professionals to build strategic partnerships • IT Project - B2C + B2B App build in progress
Partnership with Hyper Startup Studio established the foundations to make Penny Stack a reality, with a validated prototype created and board structure in place.
Valuation Growth: $900k (Dec 2024) → $1.8M (Sept 2025) → $2.5M (Dec 2025) - demonstrating strong momentum and investor confidence.