| 1 | Couples lack tools to jointly manage household spending and finances | software | 70 | 56 | 44.36 | →-1.4% |
| 2 | OpenInsider UI outdated and lacks transaction type granularity | software | 54 | 51 | 39.91 | → |
| 3 | Fidelity lacks DRIP-excluded gain tracking | software | 60 | 63 | 39.04 | →-1.6% |
| 4 | Stripe rejects NSFW content payment processing | software | 55 | 60 | 36.04 | → |
| 5 | Extreme hold times on MOHELA student loan forbearance requests | service | 48 | 45 | 35.54 | → |
| 6 | Scaling meter data intake 3.5 orders of magnitude | software | 34 | 49 | 32.54 | → |
| 7 | Warranty and service contract claim evidence preservation | service | 24 | 42 | 32.05 | → |
| 8 | Multi-state tax compliance tracking for remote service businesses | service | 24 | 48 | 32.05 | → |
| 9 | Small business owners overwhelmed by quarterly tax deadlines | service | 24 | 44 | 32.05 | → |
| 10 | Accountants cannot easily explain tax code changes that affect client filing strategies | service | 24 | 46 | 32.05 | → |
| 11 | Small business owners cannot predict cash flow gaps before they become crises | software | 24 | 47 | 32.05 | → |
| 12 | Freelancers cannot visualize cash flow timing gaps between project invoicing and payment receipt | software | 24 | 51 | 32.05 | → |
| 13 | Freelancers cannot easily submit expense reports or track reimbursable expenses from clients before invoicing | software | 24 | 44 | 32.05 | → |
| 14 | Multi-currency expense tracking without real-time conversion rate updates | software | 24 | 51 | 32.05 | → |
| 15 | Bookkeeping reconciliation delays for subscription-based businesses | service | 24 | 39 | 32.05 | → |
| 16 | Parents unable to track dependent care FSA claims across multiple providers | service | 24 | 44 | 32.05 | → |
| 17 | Debt negotiation and settlement documentation management | service | 24 | 43 | 32.05 | → |
| 18 | Tax loss harvesting execution delays for passive investors | service | 24 | 39 | 32.05 | → |
| 19 | Small business owners cannot automatically categorize business expenses from personal spending mixed in the same account | software | 24 | 45 | 32.05 | → |
| 20 | Inability to track retainer vs project-based income separately for tax planning | software | 24 | 45 | 32.05 | → |
| 21 | Self-employed tax filers cannot estimate quarterly payments without professional help | service | 24 | 45 | 32.05 | → |
| 22 | Invoice managers cannot set payment reminders that account for client-specific payment delays | software | 24 | 53 | 32.05 | → |
| 23 | Expense trackers cannot distinguish business vs personal purchases made on personal cards | software | 24 | 49 | 32.05 | → |
| 24 | Debt consolidation clients cannot track which creditors agreed to settlements | service | 24 | 49 | 32.05 | → |
| 25 | Contractors cannot split shared expenses across multiple clients or projects for accurate per-project profitability | software | 24 | 42 | 32.05 | → |
| 26 | Freelancers struggling to categorize mixed personal and business expenses | service | 24 | 47 | 32.05 | → |
| 27 | Insurance claimants cannot find which documents insurers actually require before submission | service | 24 | 42 | 32.05 | → |
| 28 | Small business owners cannot easily track mileage and vehicle expenses for tax deductions | software | 24 | 46 | 32.05 | → |
| 29 | Self-employed users cannot track quarterly tax payment deadlines and estimate liability before penalties occur | software | 24 | 43 | 32.05 | → |
| 30 | Accountants waste 15+ hours monthly chasing down missing expense receipts from clients | service | 24 | 48 | 32.05 | → |
| 31 | Invoice creators cannot track which clients consistently pay late | software | 24 | 51 | 32.05 | → |
| 32 | Freelancers struggle to match invoices to actual work performed | software | 24 | 49 | 32.05 | → |
| 33 | Difficulty separating client retainer draws from actual profit for business health assessment | software | 24 | 50 | 32.05 | → |
| 34 | Recent divorcees confused about tax filing status and dependent claiming rights | service | 24 | 46 | 32.05 | → |
| 35 | Freelancers cannot reconcile invoice payments to expense categories automatically | software | 24 | 42 | 32.05 | → |
| 36 | Personal budgeters cannot visualize spending patterns across irregular income months | software | 24 | 43 | 32.05 | → |
| 37 | Bookkeepers lack visibility into invoices sent to clients who never pay | service | 24 | 46 | 32.05 | → |
| 38 | Inability to set expense budgets by project or client for profitability analysis | software | 24 | 45 | 32.05 | → |
| 39 | Micro-businesses without accountants struggle with annual bookkeeping reconciliation | service | 24 | 43 | 32.05 | → |
| 40 | Freelancers cannot easily understand which clients or projects are actually profitable after all overhead allocation | software | 24 | 42 | 32.05 | → |
| 41 | Bookkeepers juggle multiple client password updates and accounting software access | service | 24 | 40 | 32.05 | → |
| 42 | Insurance policyholders cannot compare coverage changes across policy renewals | service | 24 | 46 | 32.05 | → |
| 43 | No integration between time tracking and invoicing creates double-entry accounting for freelancers | software | 24 | 46 | 32.05 | → |
| 44 | Self-employed contractors cannot easily substantiate business vs personal vehicle mileage | service | 24 | 38 | 32.05 | → |
| 45 | Debt consolidation seekers cannot compare apples-to-apples loan terms across lenders | service | 24 | 40 | 32.05 | → |
| 46 | Freelancers cannot easily categorize mixed-purpose business expenses for taxes | software | 24 | 48 | 32.05 | → |
| 47 | Invoice-based business owners cannot automatically track late payments and calculate impact on cash flow or creditworthiness | software | 24 | 46 | 32.05 | → |
| 48 | Late payment tracking generates no actionable follow-up workflows | software | 24 | 48 | 32.05 | → |
| 49 | Personal and business budgeting tools cannot model irregular freelance income for planning | software | 24 | 48 | 32.05 | → |
| 50 | Tax basis tracking for inherited investment accounts | service | 24 | 46 | 32.05 | → |