moneyforward.com

Readiness by lane

Green: moneyforward.com. Thin bar: Accounting & Tax peer median.

Priority fixes for moneyforward.com

Ordered by impact and by how common each practice is among peers.

1. Priority 1 · Harden

   HSTS kept for at least a year

   Observed: Strict-Transport-Security was sent with a max-age of 183 days, below the one-year benchmark.

   Why it matters: HSTS tells browsers to use HTTPS for your host on every later visit, which removes the window where a first HTTP request can be intercepted.

   What to do: Send Strict-Transport-Security on HTTPS responses. Start with a short max-age (for example 300 seconds), confirm every subdomain works over HTTPS, then raise it in steps to 31536000. Add includeSubDomains only when all subdomains are HTTPS. HSTS preload is optional and hard to undo; hstspreload.org itself does not recommend it by default.

   On Cloudflare: Enable HSTS under SSL/TLS > Edge Certificates > HTTP Strict Transport Security and raise max-age gradually.

   40% of Accounting & Tax peers do this. Limit: Read from the homepage response only; other pages or regions may send different headers.

   Guide: HTTPS and TLS Guide for Website Owners

2. Priority 2 · Accelerate

   Modern image formats in use

   Observed: The homepage had 16 images and none used WebP or AVIF.

   What to do: Serve WebP or AVIF with a JPEG or PNG fallback, either through an image CDN or by generating both formats at build time.

   On Cloudflare: Cloudflare Polish can convert images to WebP.

   48% of Accounting & Tax peers do this.

   Guide: AVIF, WebP, JPEG, and PNG: Choose the Right Image Format

3. Priority 3 · Enable

   XML sitemap discoverable

   Observed: No sitemap was listed in robots.txt or found at /sitemap.xml.

   What to do: Generate an XML sitemap of canonical URLs, reference it in robots.txt and submit it in Google Search Console.

   65% of Accounting & Tax peers do this.

   Guide: XML Sitemap Guide: Include Only URLs You Stand Behind

4. Priority 4 · Accelerate

   Offscreen images lazy-loaded

   Observed: The homepage had 16 images and none used loading="lazy".

   What to do: Add loading="lazy" to images below the fold. Do not lazy-load the main hero image, because that delays the largest visible element.

   55% of Accounting & Tax peers do this.

   Guide: Lazy Loading Without Broken Pages

What moneyforward.com already does well

Practices fewer than half of Accounting & Tax peers use.

• No render-blocking scripts in <head>Head scripts load without blocking.35% of peers
• Certificate lifetime of 100 days or lessShort-lived 90-day certificate from Google Trust Services, already inside the 2027 limit.38% of peers
• Referrer-Policy setReferrer-Policy present.42% of peers

What we saw

Homepage checked

https://moneyforward.com/

Homepage response

HTTP 200

TLS

TLSv1.3, HTTP/2

Certificate

Google Trust Services, 90-day validity, expiring 2027-01-12

CDN or edge

Cloudflare

DNS operators

Amazon Route 53

HSTS

max-age 183 days, includeSubDomains

DMARC policy

p=reject

Homepage HTML

64 KB, gzip

Images on homepage

16 (svg 13, png 3)

Limits: homepage only, one location, one moment. Header checks reflect the homepage response; other pages may differ.

Stack and providers

Seen in the homepage response, certificate and DNS. Provider pages compare how their customers configure the same checks.

All 31 checks

Select a gap for the method and fix. How each check works

Compare with other Accounting & Tax sites

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• xero.com62

Accounting & Tax readiness benchmark