Questions, answered plainly.

Morgan is a financial management and insight platform for small and growing businesses, particularly agencies and professional service firms. It helps you track spending, send invoices, follow receivables and bills, and plan cash flow.

No. Morgan is designed as an additional layer that works alongside accounting software and professional advice.

Owners and teams who want a clearer view of invoices, expenses, cash, receivables, payables, and financial performance.

Only from records you enter or import: transactions (manually or by CSV), invoices you create, payments you record, and bills you add. Morgan does not invent figures. Forecasts are clearly labelled as estimates.

Not yet. There are no bank, accounting-software, or payment integrations. You can import transactions from a CSV export of your bank or accounting system.

Only people signed in to your account. Every record is stored against your business and every request is checked on the server against your session.

Passwords are hashed with scrypt and never stored in plain text. Sessions use HTTP-only cookies, can be signed out from other devices, and are invalidated on logout and password change.

Yes, when the server administrator has configured an email provider. If email is not configured, Morgan tells you so — you can download the PDF and mark the invoice as sent yourself.

No. Morgan records payments you receive so balances and receivables stay accurate. It does not process cards or move money.

Monitor can surface overdue invoices, possible duplicate records, recurring cost changes, and timing patterns from the records in your workspace. Each finding is a review prompt with its supporting records.

Horizon calculates daily 30-, 60- and 90-day estimates using a starting cash position, recorded activity, open invoices and bills, saved plans and visible scenario assumptions. A forecast is not a guarantee.

Yes. Horizon scenarios are saved separately from your financial records and can be compared with the baseline estimate. A scenario does not change the ledger.

When Gemini is configured, Morgan sends your question and a bounded business context to Google’s Gemini service for an explanation. Financial figures are calculated by Morgan, then checked against supplied values; AI does not edit records.

Morgan can generate a financial report PDF from the records and forecast context available in your workspace. Review the period and underlying records before sharing it.

Starter is free. Pro is $49.99 for one month or $499 for one year; Max is $199.99 for one month or $1,499 for one year. Paid plans use one-time PayPal.Me payments and manual verification. There is no trial or automatic renewal.

Sign in and open Plan & usage to create a payment request. Submit the PayPal transaction ID after paying; paid access starts only after an administrator verifies it in PayPal account activity.

PayPal.Me payments do not renew automatically. Paid access remains available through the period end shown in Plan & usage; no renewal charge is made.