Your Money Line Review
Your Money Line is a financial wellness benefit with unlimited coaching from AFC or CFP certified guides by phone, text, email or chat, and an app for budgeting, account linking and credit monitoring.
Best for
- Healthcare systems and school districts whose staff need help with student loans and PSLF
- Employers that want coaching by text and chat as well as phone
- HR teams that want a fast launch with a client success manager
Not ideal for
- Global employers that need advisors in many countries
- Buyers who want SSO included in the base plan
How we evaluated Your Money Line
This review rests on the 16 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
Your Money Line pairs unlimited one-on-one coaching from AFC or CFP certified guides, by phone, text, email or chat, with an app for budgeting, account linking and credit monitoring. It reports SOC 2 Type II, offers SSO as an add-on and prices per employee a month on quote.
Strengths
Four ways to reach a coach
Unlimited sessions by phone, text, email or chat, with the same guide every time.
Evidence: Support channels: Phone, chat, email, text3
Certified guides
Every guide holds an AFC or CFP certification and sells no products.
Evidence
Key features: Guides hold an AFC or CFP certification, Same guide every time, No product sales, Coaches available 12 hours a day, AI tools 24/7, Free to employees and dependents2
Student loan and PSLF help
Schools and healthcare systems use it for one-on-one help with public service loan forgiveness.
Evidence: Industry focus: Healthcare, Education1
SOC 2 Type II
Reports completed SOC 2 Type I and Type II attestations and AES 256 encryption.
Evidence: SOC 2 Type II: Yes4
Weaknesses
SSO and identity protection cost extra
Both are listed as add-ons to the Essential Plan.
Evidence
Extra costs: Identity protection add-on, Single sign-on add-on1
Quote-only pricing
Priced per employee a month on the eligible population; no amounts are published.
Evidence: Pricing model: Per employee1
No international coverage found
We found no countries other than the U.S. in its documentation; confirm international coverage before buying.
Price at a glance
Quick answers
- How much does Your Money Line cost?
- Your Money Line charges per employee per month on your full eligible population, and employees pay nothing. The rate varies with company size, package and terms.Based on Pricing model: Per employee1
- How do employees contact a Your Money Line coach?
- By phone, text, email or chat, with no limit on sessions; coaches are available 12 hours a day and the AI tools 24/7.Based on Support channels: Phone, chat, email, text3
- Are Your Money Line coaches certified?
- Yes. All its Financial Guides hold an AFC or CFP certification and are trained in financial psychology and behavior.Based on Key features: Guides hold an AFC or CFP certification, Same guide every time, No product sales, Coaches available 12 hours a day, AI tools 24/7, Free to employees and dependents2
- Does Your Money Line help with PSLF?
- Yes. Schools and healthcare systems use it for one-on-one meetings that walk staff through public service loan forgiveness.Based on Industry focus: Healthcare, Education1
Coverage of core financial wellness capabilities
Each core capability we evaluate in Financial Wellness, checked against Your Money Line’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
9 verified of 9 core capabilities
Specifications
Where it ranks
- #2 of 4 scoredFinancial Wellness
- #1 of 2 scoredFinancial Wellness for Education
- #1 of 3 scoredFinancial Wellness for Healthcare
Your Money Line alternatives
Best Money Moves80% similar
Financial Finesse70% similar
BrightPlan50% similar
Enrich50% similar
My Secure Advantage50% similar
Nudge50% similar
Security and compliance
Implementation and support
About Your Money Line
Official profiles
Your Money Line: frequently asked questions
Is Your Money Line SOC 2 compliant?
It reports completed SOC 2 Type I and Type II attestations.
Who founded Your Money Line?
Peter Dunn. Its About page dates the start of Your Money Line to 2017; the company is based in Indianapolis.
Does Your Money Line have an app?
Yes. Its app links bank, retirement and investment accounts, builds a budget, monitors credit and connects employees with coaches.
How long does Your Money Line take to launch?
Typically a few weeks, with a dedicated client success manager for setup, launch and engagement.
What is Your Money Line used for?
Your Money Line, on the market since 2017, is a financial wellness product. Its modules include Unlimited 1:1 financial coaching, Smart budgeting and AI insights, Credit monitoring, Financial literacy education, and 4 more.
Is Your Money Line legit?
Your Money Line is sold by the company of the same name, which was founded in 2017, is headquartered in Indianapolis, Indiana, and is privately held. Your Money Line states SOC 2 Type II compliance.
What are the best alternatives to Your Money Line?
In our financial wellness ranking, the highest-scored products other than Your Money Line are Financial Finesse, BrightPlan, and SmartDollar. Compared side by side, by reason to switch: Your Money Line alternatives.
What are the pros and cons of Your Money Line?
Strengths documented on the vendor’s own pages: four ways to reach a coach, certified guides, and student loan and PSLF help. It is less suited to global employers that need advisors in many countries and buyers who want SSO included in the base plan.
How this page was made
What it is built from
16 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 8, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Our independent review of Nov 8, 2026 asked for changes. How we review
Hands-on testing
We have not tested Your Money Line hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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How we make money
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Your Money LineLeadChange Score 6.4
Sources
The 8 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- Your Money Line yourmoneyline.com/pricing“Like many employee benefits, we price our services on a PEPM basis, or per employee per month, based on your full eligible population.” “Schools and healthcare systems often turn to Your Money Line for help with public service loan forgiveness (PSLF).”
- Your Money Line yourmoneyline.com/platform“One app with everything your employees need” “All our Guides hold an AFC® or CFP® certification, and are trained in financial psychology, behavior, & therapy.”
- Your Money Line yourmoneyline.com/platform/financial-coaching“Give every employee a personal, unbiased financial coach—available via phone, text, email or chat.”
- Your Money Line hi.yourmoneyline.com/hubfs/Paradigm/Paradigm%20YML%20Security%20Overview.pdf“Completed SOC 2 Type I and SOC 2 Type II attestations.”
- Your Money Line yourmoneyline.com/industries/for-healthcare“Our certified human coaches are available 12 hours a day, and our AI-coaching tools are accessible via phone or computer 24/7.”
- Your Money Line apps.apple.com/us/app/your-money-line/id6742507785“Our all-in-one financial wellness app provides a complete view of your money and connects you with certified financial coaches, so you can stress less and live more.”
- Your Money Line yourmoneyline.com/security“9450 North Meridian St., Suite 200 Indianapolis, IN 46260”
- Your Money Line yourmoneyline.com/about“Your Money Line was born” “Your Money Line raises $4.5 million Series A”