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Prashant Kumar Singh
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Freelance project · Mobile apps

Personal Finance App

A money app that tells you what’s safe to spend, calmly

A personal finance app for people who find money apps stressful. It brings spending, bills and savings goals into one calm view built around a single question: what can I spend? I designed the flows, screens and tone for iOS and Android.

Role
Product design
Type
Freelance
Platforms
iOS, Android
Scope
UX, UI design, Mobile

01The problem

What needed solving

Many people avoid their money apps because dense charts, red numbers and guilt-heavy alerts make them anxious. The product had to help them understand where their money goes and what’s safe to spend, without making them feel judged.

Who it’s for

  • Young earners

    A clear sense of what’s left to spend before the next payday.

  • Households sharing costs

    One view of bills and shared spending that everyone can follow.

  • Goal savers

    Steady, visible progress towards something they care about.

  • Anxious checkers

    Reassurance and simple next steps, without being lectured.

02The main flow

A quick check-in

The moment in blue is the one the whole design is built around.

  1. 01

    Opens the app

  2. 02

    Sees safe-to-spend amount

  3. 03

    Reviews recent spending

  4. 04

    Adjusts a budget

  5. 05

    Moves money to a goal

03Structure

How Personal Finance App is organised

Everything has one home. Getting this right first keeps every screen simpler.

Home

  • Safe-to-spend
  • Upcoming bills
  • Recent activity

Spending

  • Categories
  • Transactions
  • Weekly review

Plan

  • Budgets
  • Savings goals
  • Bills

Account

  • Linked accounts
  • Security
  • Notifications

04Key decisions

Choices that shaped it

What I considered, what I chose, and why.

Decision 01

One number on the home screen

A dashboard of balances, charts and categories left people to work out for themselves whether they were okay.

Considered

A home screen with balance, spending chart and category breakdown side by side.

Chosen

Home leads with a single figure: what’s safe to spend until payday after bills and goals, with the detail one tap away.

Why it works

It answers the question people open the app with. The trade-off is that the figure has to be explained, so tapping it opens a plain breakdown.

Decision 02

Neutral colour for overspending

Red warnings and alarm icons make people feel judged, and they stop opening the app.

Considered

Traffic-light colours across every budget.

Chosen

Overspending uses a neutral accent with a suggestion, such as moving money from another category. Red is kept for real risks like a failed payment.

Why it works

Calm feedback keeps people engaged with their budget, and keeping red rare means it still means something when it appears.

Decision 03

A weekly swipe review

Automatic categories are often wrong, and fixing them one at a time is tedious.

Considered

Edit each transaction from its own detail screen.

Chosen

A weekly stack of cards where people confirm or change a category with a swipe, with an offer to create a rule when a merchant repeats.

Why it works

A short weekly habit keeps the data accurate without daily effort, and rules cut the repeat work over time.

05What’s inside

Key features

Safe-to-spend figure

One figure that accounts for bills and goals before showing what’s free to use.

Spending by category

A simple monthly view of where money went, with no dense charts.

Bill reminders

Gentle notices before a bill is due, timed so there’s still room to act.

Savings goals

Goals broken into small regular amounts, with progress shown at a glance.

Privacy controls

App lock, hidden balances and clear control over linked accounts.

06Outcome

What was delivered

Delivered

  • User flows for onboarding, linking accounts, budgets and goals
  • High-fidelity iOS and Android screens
  • Clickable prototype of the home screen and weekly review
  • Component library with chart, card and input states
  • Tone guidelines for calm, non-judgemental copy

What I learned

  1. 01

    In finance, tone is part of the interface: the same number can feel helpful or threatening.

  2. 02

    Choosing one headline number forced clearer thinking about the product than any chart did.

More work

All work
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I'll tell you how I'd ship it.

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