Redesign your money.
Redesign your life!

Discover the possibilities of a spending plan that meets your needs without having to budget.

When you embark on this journey, rich, new possibilities emerge...

  • You’ll have more money to spend on what you really want as you naturally lose the urge to impulse buy.

  • You’ll shed feelings of shame around your credit card debt, bank account balance, or paycheck as you step into your true worth and own your financial future.

  • You’ll face your debt in a responsible, sensible way without depriving yourself of the things you love and cherish.

  • You’ll be in tune with your true needs and desires and have a real picture of what you value and must-have in your life.

  • You’ll have more “feel good” stuff in your life – like people, experiences, and passions, even clothes and lattes – whatever nourishes you on a personal level.

You’re invited to let yourself grow, let yourself transform, and let your life blossom.

Successfully managing your money in the long-term isn’t about sticking to a restrictive budget or going without.


Deep down, you know that following limiting budgets will never work for you.

You’re frustrated by programs that don’t allow you to clearly see - all in one place - what you earn, how much you spend and what you need to save to reach your goals, in the short- and long-term.

You’re overwhelmed by the thought of sitting down to manage all the moving parts and growing needs of your dynamic household with a complicated tool.

You know that there’s much more to money than the numbers, and you want one to show you what drives how you earn, spend and save.


    After you’ve plugged in your expected income and expenses, the Summary Page will answer: Will This Plan Work?

    The next step? You adjust across your categories as necessary until your spending plan number is met.

    This is not a process of elimination -- it's a process of exploration. You'll be exploring ways to meet your needs and honor your responsibilities for less money instead of eliminating them. Once you go through the adjustment process, you will know you have a workable plan.

    Don’t get caught off guard by predictable periodic expenses. Plot your non-monthly periodic expenses on your annual plan, so when they come up, you can easily pay them.

    You may not earn a consistent income. Track your exact earnings to get a clear picture of the money you make so you can plan to always have what you need.

    Creating an annual plan helps you expand your view and begin to look at the possibilities you can create for you and your family.

    As you stay connected to your plan, you’ll notice patterns developing month after month, revealing how a decision you made yesterday affects your finances in the days and months ahead. Once you can identify patterns, you can change your behavior.

    An important part of achieving a healthy relationship with money is learning to tell the difference between needs, wants, and desires. Identifying and taking care of your needs is a skill you will use for the rest of your life and is the key to creating a life filled with meaning, satisfaction, and abundance.

Top-notch user experience




MoneyGrit. takes full advantage of the latest technology and is 100% cloud-based. MoneyGrit is also behind a state-of-the-art firewall to further secure customer information.


wil this plan work


Never wonder if your spending plan will work again. After plugging in your numbers, click the magic “Will This Plan Work?” on the Summary Page.




Robust and detailed categories, including everything from dry cleaning to shoe repair to groceries to restaurants, are pre-programmed.



Quick and in-depth instructional videos will help you get started the right way. I’m a money coach at heart, and I want to see you get the most value out of MoneyGrit.

MoneyGrit. is one-of-a-kind because ...

You create a plan, not a budget, so you don’t go without

You can plan for the year ahead so you don’t look back with regret

You know if your plan will work before you spend a dollar

You observe your habits and tendencies, so you can decide if your need to make a change

So what are you waiting for?

Sign me up!

Annual Plan



Save $77 over 12 months!

  • One year subscription to MoneyGrit.
  • Instructional and insightful video tutorials led by Creator Karen McCall
  • Access to the private Facebook MoneyGrit. Community where you can ask questions, and engage with fellow entrepreneurs

Monthly Plan



  • Monthly subscription to MoneyGrit.
  • Instructional and insightful video tutorials led by Creator Karen McCall
  • Access to the private Facebook MoneyGrit. Community where you can ask questions, and engage with fellow entrepreneurs

You may be wondering if MoneyGrit. is right for you. We want you to be 100% satisfied with your MoneyGrit. subscription because if you’re not satisfied, neither are we. So we encourage you to buy it, customize it, and use it. Still not satisfied? We’ll return your money within the first 30 days after purchase. Just email us at:

What MoneyGrit. users are saying

“I had my first 5-figure month!”

After using the Business and Personal program for 5 months, I nearly doubled my income and had my first 5-figure month. Once I began tracking my business spending, something in my mind shifted. I could see a bigger picture.

- Rachel V.

“The planning functions are clear and easy to use”

I can set it up so it reflects my life and how I think about it. Plus the built-in planning features tell me if my planned spending will not work out exactly as planned. If not, I can go back and adjust.

- Sarah M.

“This program can change your life”

For such a reasonable price you can get in touch with your money, have more peace around money, and save money. When we are managing our money, life becomes so much easier and more enjoyable. You'll see a return on your investment very quickly.

- Debby & John

Frequently Asked Questions

Other programs focus on budgets versus spending plans, which, much like dieting, doesn’t work. MoneyGrit. allows you to see all of your finances in one place and plan for the year ahead – with clear visibility into each month.

MoneyGrit. is programmed with a unique adjustment process that helps you discover your money behaviors. Over time, you will get insight into how you earn and spend.

The unique step-by-step adjustment process teaches you how to manage your money instead of simply changing your initial figure.

There are free apps on the market, but they fall short in many areas. To succeed, you need a program that teaches you how to plan and modify your spending to reach your goals. Plus, it’s likely less than your monthly coffee budget!

Setting up your dashboard with your personalized categories will be the most time-consuming task. As long as you update the program with your finances, it will become as simple as checking your email. Plus, many features are automated.

No! MoneyGrit. is for anyone who wants to have total control of their money. If you want the power of choice and foresight into the year ahead, MoneyGrit. is for you.

MoneyGrit. is secure! MoneyGrit. takes full advantage of the latest technology and is 100% cloud-based. (This means you access your account by going to our URL address and inputting your username and password.)

MoneyGrit. resides in a Tier-2 hosting facility in the United States which provides 99.98% or better availability, redundant backup power, offsite backup, and other systems to best meet the needs of heavy 24x7 transaction volume.

Beyond MoneyGrit.’s application layer security, encryption, SSL for personal data and credit card processing, and 3rd party PCI compliance testing, MoneyGrit. is also behind a state-of-the-art firewall to further secure customer information.

We want you to be 100% satisfied with MoneyGrit, so we’re offering a 30-day money-back guarantee. Unsatisfied? Just email us and we’ll refund your money. We’re that confident you’ll love it.