Personal Finance Mobile App

Know what you can spend, not just what you have.

A personal finance experience that helps users understand what they can comfortably spend after accounting for upcoming commitments and savings.

RoleProduct Designer
PlatformMobile · FinTech
ScopeProduct Thinking · UX/UI Design
Spending Insights screenHome / Financial Overview screenCash-flow Forecast screen

The Problem

Your balance isn’t always what you can spend.

A balance of ₹82,450 doesn’t mean all of it is available. Upcoming bills, EMIs, and savings already have a claim on that money.

How much can I comfortably spend right now?

Home / Financial Overview screen

Understanding the Need

People already make this calculation in their heads.

Before spending, people consider their balance, upcoming payments, and money they want to keep aside.

The opportunity was to make that mental calculation visible and easier to understand.

The Core Idea

Make “Safe to Spend” the number that matters.

The Home experience prioritises ₹31,200 Safe to Spend instead of simply highlighting the ₹82,450 balance.

₹82,450 Available

− ₹38,250 Upcoming

− ₹13,000 Protected

= ₹31,200 Safe to Spend

Home / Financial Overview screen
Accounts screen

Designing for What’s Next

From tracking money to seeing what’s ahead.

Activity, Insights, Goals, and Cash-flow Forecast work together to show where money went, what’s protected, and what’s coming next.

Activity / Transactions screen
Spending Insights screen
Goals screen
Cash-flow Forecast screen

Final Experience

Simple at the top, detailed when needed.

Four primary destinations keep the experience focused:

Home · Activity · Insights · Goals

Deeper financial details remain one level below the main navigation.

Home / Financial Overview screen
Accounts screen
Activity / Transactions screen
Transaction Details screen
Spending Insights screen
Smart Spending Insight screen
Goals screen
Cash-flow Forecast screen
Profile screen

Outcome & Takeaway

Make financial information useful for the next decision.

The experience turns scattered financial information into a simple understanding:

I have ₹82,450, but ₹31,200 is what I can safely spend.

Financial information is more useful when it helps people decide what to do next.

Home / Financial Overview screen
Cash-flow Forecast screen
Smart Spending Insight screen

Let's talk.