For self-directed investors who want to think like Buffett — not trade like a hedge fund.
Moatly is built around the 4M framework — Meaning, MOAT, Management, and Margin of Safety. Data-first. Framework-driven. No hot takes. One consistent process for every stock, every time — backed by AI that delivers custom insights on your specific watchlist, not generic market noise.
The Framework
Most investing apps give you data and leave you to figure out what it means. Moatly gives you a framework — four questions every serious investor must answer before committing a dollar, quantified and scored for every stock you search.
Do you truly understand this business? Moatly quantifies your fit using your Circle of Competence and a five-question Conviction Check — producing a Meaning score that's unique to you. Same stock, two investors, completely different scores. Because the best investment is the one you'll hold without flinching.
Does this business have a durable competitive advantage? Moatly scores it using the Big Five growth metrics — revenue, earnings, equity, operating cash, and free cash flow — compounded across 1, 3, 5, 7, and 10 year windows. No analyst opinions. Just the math of whether this business is widening the gap.
Is leadership genuinely owner-oriented? Moatly scores ROE, ROIC, ROA, debt discipline, and the proprietary MER Score — measuring how effectively management deploys your capital. Great businesses are routinely destroyed by poor stewards. Know which kind you're dealing with.
Is today's price meaningfully below what this business is actually worth? Moatly calculates your fair value estimate using three independent valuation methods. Know the math. Make your own call. The margin of safety is your protection when you're wrong — even about a great business.
The App
Type a ticker. Moatly instantly loads live data, calculates all four scores, and surfaces AI analysis — everything a professional analyst would spend hours on, ready in seconds. You spend your time making decisions, not gathering data.
EPS, FCF, growth rates, balance sheet ratios — loaded and scored instantly. No spreadsheets, no data-hunting across five tabs. Clean, consistent numbers every time.
Intrinsic Value, 10-CAP, and Payback Time cross-check each other — so no single assumption breaks your analysis. Adjust any input and every number updates instantly.
Your Circle of Competence plus a five-question Conviction Check. Stay in your lane. Ignore the noise. The best investment is the one YOU understand — not the one everyone's talking about.
Track every business you care about. Get alerted the moment price meets value — so you never miss your entry or buy too early out of impatience.
MoatlyAI — Context, Not Just Data
Most apps give you data and leave you to figure out what it means. MoatlyAI gives you answers — grounded in your watchlist, your scores, and real fundamentals. It reads the filings so you don't have to. It flags value traps numbers alone won't show. Not a chatbot bolted on. Analysis woven into every screen.
MoatlyAI
MoatlyAI answers any value investing question in the context of your actual watchlist. Not a textbook. Not generic advice. The mentor most investors never had — and it already knows your portfolio.
From "what is a moat?" to "should I buy Amazon at this price?" — answers tied to your actual watchlist, not a textbook. No generic advice that doesn't apply to what you're analyzing.
Every answer uses your watchlist stocks as real examples. Ask about capital allocation and get context from the management scores Moatly already calculated. Learning has never been this relevant.
Daily concepts tied to your investing activity — building knowledge systematically, not randomly. Most investors take a decade to develop this pattern recognition. You don't have to.
Ask follow-up questions without starting over. MoatlyAI holds full context so you can drill down. "How does that apply to Microsoft's moat score?" It follows your logic, not a script.
Price is what you pay. Value is what you get. Moatly calculates what a business is actually worth — not what the market says today. Your value estimate is your edge.
The Meaning score exists because conviction without understanding is speculation. Moatly is the only app that quantifies whether a stock belongs in your circle of competence.
Great investors aren't smarter than everyone else — they're more disciplined. Moatly builds that discipline into every search, forcing the four questions that matter before you commit a dollar.
How It Works
Type any ticker or company name. Moatly instantly loads live financial data, calculates all four scores, and prepares MoatlyAI analysis — ready in seconds.
Meaning, MOAT, Management, and Margin of Safety — each scored from real fundamentals, calibrated to your circle of competence. Know instantly if this stock deserves deeper analysis.
One tap. MoatlyAI delivers analysis tied to that company's live data — moat type, management quality, valuation context, and a clear verdict. Ask anything. Get answers grounded in the exact numbers you're looking at.
Know your calculated value price. Know why you're interested. Know what to monitor. Add to your watchlist and get alerted the moment the opportunity arrives. No guessing. Just conviction.
Pricing
Two tiers. One mission. Flat monthly rate — no commissions, no data fees, no surprises.
Early Feedback
Join the Waitlist
Early access members get priority onboarding, launch-day pricing locked in, and first access to every MoatlyAI feature the moment it ships. The framework is built. The AI is ready. Your watchlist is waiting.