Money OS for Six-Figure Creators

Creators earning $100k–$2M across YouTube, sponsorships, affiliates, courses and merch run real businesses with zero financial infrastructure: revenue lands across 8 platforms in inconsistent schedules, taxes surprise them annually, and nobody can answer 'what actually makes money?'. Accountants understand none of it; QuickBooks wasn't built for platform payouts.

The product: auto-ingest payouts from creator platforms, normalize into per-stream P&L, project taxes with automatic set-aside recommendations, and benchmark margins against anonymized peers ('sponsorship rates for your niche/size run 20% higher'). The benchmark data becomes the moat and the content engine simultaneously.

Multi-platform creator finances are fragmented chaos; existing bookkeeping assumes invoices and clients, not platform payouts, and creator-specialist accountants are scarce and expensive.

Full-time creators with $100k+ multi-stream revenue (podcasters, YouTubers, newsletter operators, course sellers) — a fast-growing six-figure-income population with real pain and payment ability.

The creator middle class matured into actual businesses through 2023–26; platform payout APIs and open-banking access make consolidation buildable; and creator-economy layoffs of managers pushed financial ops back onto creators themselves.

QuickBooks+accountant (wrong shape), creator banks (Karat — credit-focused), spreadsheet templates sold on Twitter. Adjacent players could expand here, but the P&L-per-stream + benchmarking combination is unowned.