Welcome to Money Making Story

In today’s story, we’re diving into the incredible journey of Angus Chang, a solo founder from Hong Kong who built one of the simplest SaaS products ever — a website that converts PDF bank statements into spreadsheets — and scaled it to $40,000/month with zero employees and no funding.

In this story, you’ll discover:

• Top Advice

• From Developer to Solopreneur

• The Problem That Sparked the Idea

• How He Built Bank Statement Converter in a Week

• From Google Ads to Organic Growth

• What Happens When You Stop Over-Optimizing

• The Reality of Building Alone

• The Tech Stack & Simplicity Philosophy

• Lessons for Indie Founderss

Top Advice:

“You don’t need a team, investors, or a 10-year plan. You just need one idea that actually helps people.”

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“I built a website that literally does one thing.”

That single line captures the understated genius of Angus Chang, a quiet developer from Hong Kong who turned a simple pain point into a $40,000/month online business — all without a team, ads, or even a social media strategy.

This isn’t just a story about coding.
It’s about restraint, focus, and the realization that the internet still rewards useful simplicity — one idea, one script, and one upload at a time.

From Developer to Solopreneur

Angus spent most of his career as a developer — working jobs in investment banking, crypto, and even indie games.

But in 2021, he quit his job. He wanted independence, not another corporate sprint.

One afternoon, while reviewing his personal finances, he faced a problem almost everyone with a bank account knows too well — all his transaction data was locked inside PDF statements.

He needed a spreadsheet.
He needed a way to see how long his savings could last.

That pain point became the seed of his next big idea.

The Problem That Sparked the Idea

Angus wrote a small program to extract data from his own bank statements — a quick personal fix.
But as he built it, he realized something important:

That thought turned a private frustration into a public product.

He teamed up with a friend for a week, built a basic web interface, and launched Bank Statement Converter — a one-page website that does exactly what the name says.

No login system.
No branding.
No pitch deck.

Just a clean upload form and a Convert button.

How He Built It in a Week

Angus’s process was as lean as it gets:

• Backend: Kotlin

• Frontend: Next.js

• Hosting: AWS EC2 + Netlify

• Payments: Stripe

The first version worked for his own bank, then he generalized it to support other formats.
He didn’t spend time on frameworks, design systems, or scalability.

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From Google Ads to Organic Growth

When Angus first launched, he bought Google search ads. It got traffic, but not profit.

After six months, he gave up on ads.
And that’s when things took off.

His site began ranking organically. Users started finding it through search.
Every day, two or three new people signed up — without him spending a cent.

So he did.

He fixed bugs, simplified the interface, and replied to every customer email personally.
Gradually, $200 a month turned into $2,000.
Then $10,000.
Then $40,000.

All from a single page that solves a single problem.

What Happens When You Stop Over-Optimizing

While many founders obsess over A/B tests, funnels, and SEO hacks, Angus did the opposite.

He focused on one thing only: does the product solve the problem better this week than it did last week?

No new features unless they were requested.
No blog.
No social media grind.

The Reality of Building Alone

Being a solopreneur isn’t always easy. Angus admits it can be isolating.

Friends didn’t understand what he was doing — especially in the early days when the app made almost no money.
But as revenue grew, the same people who doubted him called it “brilliant.”

He laughs about it now.

The Tech Stack & Simplicity Philosophy

Tech Stack:

• Backend: Kotlin (JVM)

• Frontend: Next.js

• Hosting: AWS EC2 + Netlify

• Payments: Stripe

• Emails: Brevo

Profit Margin: ~97%

No employees. No support team. Just one developer, one laptop, and a quiet routine.

Lessons for Indie Founders

💡 1. Simplicity wins.
Solve one problem. Do it well. Ignore the rest.

💡 2. Don’t rely on ads.
If people really need your product, they’ll find it.

💡 3. Be patient.
The work you do in years one and two pays off in years four and five.

💡 4. Ignore social media.
Followers don’t equal users. Focus on the product, not attention.

💡 5. Profit is freedom.
A small, boring SaaS with real users beats a “cool” startup that burns cash.

Learn More About Angus Chang

Final Takeaway: The Power of One Simple Idea

Angus Chang’s story isn’t about luck — it’s about leverage.
He found a real problem, solved it simply, and ignored everything that didn’t matter.

He didn’t chase hype. He didn’t raise funding. He didn’t even tweet about it.

He just built quietly — and kept improving.

From a one-week project to a $40,000/month business, Angus proved that the simplest idea can change your entire life — if you keep showing up for it.

You don’t need investors, employees, or a grand business plan to build something that lasts. What you do need is patience, simplicity, and the courage to keep improving a small idea that solves a real problem.

Angus Chang’s story proves that even without funding, followers, or a co-founder, you can create lasting success by focusing on usefulness over hype. With one page, one tool, and relentless consistency, he turned a quiet weekend project into a $40,000/month business—no buzzwords, no growth hacks, just clarity, craftsmanship, and time..

$35K/Month From 3 Cloned Apps (No “Learning to Code”)

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