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FinanceScaling SpendMulti-Channel

Monarch Money

+368%

Increase in Users

M
Monarch Money

Step 1

The Problem

Monarch Money needed to rapidly scale user acquisition to establish category leadership in personal finance. Efficient unit economics were non-negotiable given investor scrutiny. Existing channels were near capacity, and scaling further risked CAC inflation that would damage the company's growth narrative.

Step 2

Our Approach

We built a full-funnel user acquisition strategy across multiple channels with rigorous measurement at every stage. Wayfinder AI continuously rebalanced budget allocation across channels based on real-time CAC and LTV signals, shifting spend toward whichever channel offered the best marginal unit economics at any given moment.

Wayfinder AI in Action

Real-Time Cross-Channel Budget Rebalancing

Wayfinder AI monitored marginal CAC across all channels hourly, automatically flagging reallocation opportunities when one channel's efficiency shifted.

Step 3

The Impact

Users grew 368% while maintaining the efficient unit economics that matter to investors. The diversified channel mix reduced dependency on any single platform.

+368%

Users

Lead Generation

Performance Timeline

BeforeAfter Tiger Tracks
100192284376468Q1Q2Q3Q4Q5Q6Q7Q8TIGER TRACKS STARTSPerformance Index

How We Tracked It

Server-side event tracking with cohort-based LTV analysis. Channel contribution measured via media mix modeling with weekly recalibration.

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