Money Management International Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
TO IMPROVE LIVES THROUGH FINANCIAL EDUCATION.
- Income
- $54.3 million
- Spending
- $51.3 million
- Spent on programs
- 71%
- Reserves
- 5.3 months of spending
- Largest source of income
- fees for its services, 62%
- Employees
- 306
- Volunteers
- 10
- Highest pay
- $568,201, president & ceo
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 75 out of 100. Higher than 66% of charities in its peer group (human services, $10m to $100m).
Reserves
20 of 35Spendable reserves would cover 5.3 months of spending.
Debt
10 of 20It owes 43% of what it owns.
Living within its means
15 of 15Income exceeded spending by 6% of income.
Income trend
15 of 15Income rose 49% on the year before.
Spending floor
15 of 1571% of spending went to programs and raising each dollar of donations cost 11 cents.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 35% of charities in its peer group (human services, $10m to $100m).
Independent board
25 of 2510 of 11 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (5)
- $25.2 million spent. CREDIT COUNSELING & DEBT MANAGEMENT:MONEY MANAGEMENT INTERNATIONAL (MMI) PROVIDES FINANCIAL COUNSELING AND EDUCATION TO ASSIST INDIVIDUALS AND FAMILIES WITH BUDGETING, DEBT MANAGEMENT, AND FINANCIAL GOAL SETTING. CERTIFIED CREDIT COUNSELORS ASSESS EACH CONSUMER'S FINANCIAL SITUATION, DEVELOP SPENDING PLANS, AND RECOMMEND APPROPRIATE ACTIONS.CONSUMERS MAY ENROLL IN DEBT MANAGEMENT PLANS (DMPS) FOR STRUCTURED REPAYMENT OF UNSECURED DEBT. ONGOING COUNSELING AND ADMINISTRATIVE SUPPORT ARE PROVIDED THROUGHOUT THE PROGRAM. ALL COUNSELORS COMPLETE REQUIRED TRAINING AND MAINTAIN INDEPENDENT CERTIFICATION.MMI DELIVERS EDUCATION THROUGH IN-PERSON SESSIONS, WEBINARS, AND SELF-PACED MODULES. PROGRAM OUTCOMES INDICATE THAT A MAJORITY OF CONSUMERS COMPLETING DMPS FULLY REPAY THEIR ENROLLED DEBT, WITH ADDITIONAL CONSUMERS ABLE TO RESUME DIRECT CREDITOR PAYMENTS.IN 2025 MMI PROVIDED 80,620 DEBT & BUDGET COUNSELING SESSIONS. ANOTHER 69,078 HOUSEHOLDS RECEIVED DEBT MANAGEMENT SUPPORT AND REPAYING $287MM IN UNSECURED DEBT. ON AVERAGE, PARTICIPANTS EXPERIENCE SIGNIFICANTLY REDUCED INTEREST RATES, MEANINGFUL SAVINGS OVER TIME, AND IMPROVED CREDIT PROFILES.
- $6.3 million spent. HOUSING COUNSELING & EDUCATION:MMI PROVIDES HOUSING COUNSELING SERVICES TO SUPPORT HOME RETENTION, RENTAL STABILITY, AND INFORMED HOMEOWNERSHIP. SERVICES INCLUDE FORECLOSURE PREVENTION, RENTAL COUNSELING, DISASTER RECOVERY (PROJECT PORCHLIGHT), POST-MODIFICATION SUPPORT, AND REVERSE MORTGAGE COUNSELING AND DEFAULT PREVENTION.MMI ALSO DELIVERS HOMEBUYER EDUCATION AND POST-PURCHASE SUPPORT THROUGH ITS BORROWER SUCCESS PROGRAM, WHICH PROVIDES ONGOING COMMUNICATION AND RESOURCES TO HOMEOWNERS.AS A HUD-APPROVED HOUSING COUNSELING AGENCY, MMI PROMOTES FAIR HOUSING, ENSURES ACCESSIBILITY FOR PERSONS WITH DISABILITIES, AND PROVIDES LANGUAGE ASSISTANCE FOR INDIVIDUALS WITH LIMITED ENGLISH PROFICIENCY. FUNDING IS PROVIDED THROUGH HUD AND CONTRACTUAL PARTNERSHIPS. IN 2025 MMI PROVIDED 137,365 COUNSELING & EDUCATION EXPERIENCES ACROSS ITS WIDE RANGING HOUSING COUNSELING AND CASE MANAGEMENT SERVICES.
- $2.9 million spent. CREDIT COUNSELING AND DEBT RESOLUTION:MMI LAUNCHED DEBT RESOLUTION SERVICES IN LATE 2024 TO PROVIDE AN ADDITIONAL OPTION FOR CONSUMERS EXPERIENCING FINANCIAL HARDSHIP. THE PROGRAM OFFERS CONSULTATION WITH CERTIFIED SPECIALISTS AND, FOR ENROLLED PARTICIPANTS, NEGOTIATED SETTLEMENT OF UNSECURED DEBTS.CONSUMERS MAKE A SINGLE MONTHLY PROGRAM DEPOSIT TO FUND SETTLEMENTS AND ADMINISTRATIVE COSTS. LEGAL SUPPORT MAY BE PROVIDED WHEN APPROPRIATE. STAFF COMPLETE TRAINING IN DEBT NEGOTIATION, CONSUMER PROTECTION, AND HARDSHIP ASSESSMENT, AND ONGOING EDUCATION IS PROVIDED TO PARTICIPANTS.AS AN EMERGING PROGRAM, THIS PROGRAM SERVED 624 FAMILIES IN 2025.
- $1.9 million spent. AGENCY SUPPORT SERVICES:MMI OPERATES THE NEVADA 211 CALL CENTER UNDER CONTRACT WITH THE STATE OF NEVADA, SUPPORTING A STATEWIDE INFORMATION AND REFERRAL SYSTEM OVERSEEN BY THE NEVADA DEPARTMENT OF HEALTH AND HUMAN SERVICES.NEVADA 211 CONNECTS INDIVIDUALS TO SERVICES INCLUDING HEALTHCARE, HOUSING, FOOD, UTILITIES, TRANSPORTATION, AND CHILDCARE. TRAINED SPECIALISTS ASSIST USERS IN IDENTIFYING AND ACCESSING APPROPRIATE RESOURCES.THE PROGRAM MAINTAINS A DATABASE OF OVER A THOUSAND AGENCIES AND SEVERAL THOUSAND PROGRAMS. ANNUALLY, NEVADA 211 SERVES HUNDREDS OF THOUSANDS OF INDIVIDUALS THROUGH MULTIPLE COMMUNICATION CHANNELS AND CONDUCTS COMMUNITY OUTREACH, INCLUDING TARGETED EFFORTS IN RURAL AREAS.
- $165,739 spent. BANKRUPTCY COUNSELING AND EDUCATION:MMI IS APPROVED TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND PRE-DISCHARGE EDUCATION IN COMPLIANCE WITH THE U.S. BANKRUPTCY CODE. THESE SERVICES INCLUDE ISSUANCE OF REQUIRED CERTIFICATES. MMI SUPPORTS HUNDREDS OF CONSUMERS ANNUALLY THROUGH BANKRUPTCY COUNSELING AND EDUCATION AND ALSO PROVIDES ADDITIONAL SERVICES, INCLUDING STUDENT LOAN COUNSELING. IN 2025, MMI PROVIDED 674 PRE-FILING BANKRUPTCY SESSION AND 116,236 HOURS OF FINANCIAL EDUCATION.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since May 2003.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.