Every asset with its cost
A property, a car or a portfolio is kept with its value, the income it brings, its upkeep, the loans tied to it and its documents.
AOS · ASSET OPERATING SYSTEM
When income turns into capital, there is AOS
MoneyWorks Lite tracks money as it comes in. AOS is for what that money becomes: a home, a loan, a brokerage account, some crypto. It puts every asset next to its debt and its monthly cost, so you see what you really own rather than a list of balances.
In short
- AOS (Asset Operating System) is a web app from BrandWorksApp LLC, the team behind MoneyWorks Lite.
- It shows assets, debts, carrying costs and cash flow as one system and locks a snapshot of your capital at the end of every month.
- Crypto, US stock and ETF prices update automatically. There is no bank connection: everything else is entered by hand or imported from a spreadsheet.
WHAT IT DOES
What AOS does with your numbers
Scenarios before decisions
Draft a sale, a purchase, an extra loan payment or a refinance and see the effect on equity, net worth, loan-to-value and cash. Nothing changes until you apply it.
A history you can trust
At the end of each month AOS locks a snapshot of your capital, so months are compared honestly instead of quietly rewritten.
HOW IT FITS
Where AOS takes over from MoneyWorks Lite
MoneyWorks Lite is built for the flow: what came in over the last 30 days, from which clients, and how much you paid yourself. That is the right question while income is the main thing you manage.
Sooner or later the surplus turns into things with costs of their own — interest, insurance, upkeep, taxes. AOS is built for that stock: net worth and liquid net worth, what each asset costs to own, and how many months your cash would last. The math is done by a calculation engine; AI only explains a result and never does the arithmetic.
WHO IT’S FOR
- Families with a home, a mortgage and several accounts
- Investors with rental property, brokerage accounts or crypto
- Anyone planning a big purchase who wants to see its effect on cash and debt first
- People who work with an accountant and need tidy records and a dated statement of net worth
QUESTIONS
Questions about AOS
Is AOS the same app as MoneyWorks Lite?
No. AOS is a separate web app from the same team. MoneyWorks Lite manages income on your phone; AOS manages capital in the browser.
Does AOS connect to my bank?
No. Crypto, US stocks and ETFs get prices automatically; balances and other assets are entered by hand or imported from a spreadsheet.
Can I look around before entering my data?
Yes. AOS offers sample data, so you can explore a sample household first.
Who can see my data in AOS?
AOS keeps your data in your own account, readable only by you. You can export it at any time or delete the account and all data in one step.
Which languages will AOS support?
AOS is being expanded to seven languages: English, Russian, Spanish, Portuguese, Turkish, French and German — the same set as CHAOSLESS.
MONEYWORKS LITE
Start managing money differently.
Free to download on iPhone and Android. Your income deserves more than a monthly report.
