FEB 2025

FEB 2025

Budgify

Budgify

Finance tracker for teens and young adults

Finance tracker for teens and young adults

Clickable Prototype

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Figma File

BACKGROUND

Money. One of the most important factors of adulting, which probably no one is prepared for. So was the case with me.
It started with pocket money, then college allowances, stipend, paying for my stuff and it was soon a mess.

I tried many applications - they either turned out to be to simple and lacking nuanced application use cases or were just too complicated for a young adult ( read credit cards and SIPs)


Hence, this personal project was solely done to solve my single most problem - thus I was extremely invested in this.

Money. One of the most important factors of adulting, which probably no one is prepared for. So was the case with me.
It started with pocket money, then college allowances, stipend, paying for my stuff and it was soon a mess.

I tried many applications - they either turned out to be to simple and lacking nuanced application use cases or were just too complicated for a young adult ( read credit cards and SIPs)


Hence, this personal project was solely done to solve my single most problem - thus I was extremely invested in this.

TIMELINE

I had been interested in learning about money and had been doing so since the last few months, used to have candid conversations with my friends.
Thus, one can say my Primary Research went on for a few months.


The ideation and execution was done in a week

I had been interested in learning about money and had been doing so since the last few months, used to have candid conversations with my friends.
Thus, one can say my Primary Research went on for a few months.


The ideation and execution was done in a week

Research

Research

CURRENT PROBLEMS

CURRENT PROBLEMS

  1. Manual data entry causes friction

  • Most of finance tracking methods, relies on the user to manually insert data.

  • It is is time-consuming and frustrating, one missed entry leads to confusion.

  • Over time, tracking feels like a burden, causing users to give up.


  1. Complicated Finance Apps Feel Intimidating

  • Most apps cater to advanced users with investments and credit cards.

  • Beginners struggle with complex features and financial jargon.

  • Users want a simple, beginner friendly approach to money management.


  1. Tracking Alone Isn’t Enough

  • Users need insights, not just numbers—“Am I spending too much?”

  • Data without context feels overwhelming and unhelpful.those numbers

  • Understanding spending habits helps users make better financial decisions.

  1. Manual data entry causes friction

  • Most of finance tracking methods, relies on the user to manually insert data.

  • It is is time-consuming and frustrating, one missed entry leads to confusion.

  • Over time, tracking feels like a burden, causing users to give up.


  1. Complicated Finance Apps Feel Intimidating

  • Most apps cater to advanced users with investments and credit cards.

  • Beginners struggle with complex features and financial jargon.

  • Users want a simple, beginner friendly approach to money management.


  1. Tracking Alone Isn’t Enough

  • Users need insights, not just numbers—“Am I spending too much?”

  • Data without context feels overwhelming and unhelpful.

  • Understanding spending habits helps users make better financial decisions.

JOBS TO BE DONE

  1. When managing daily expenses, young adults want a hassle-free way to log and categorize spending so they can track where their money goes without manual effort.


  1. When creating a budget, users need smart recommendations and real-time alerts to help them stay within limits and avoid overspending.


  1. When reviewing their finances, users want clear visual summaries of spending, savings, and goals so they can make informed financial decisions effortlessly.


  1. When dealing with payments and bills, users need automated reminders and receipt tracking to ensure they never miss a payment and can manage finances stress-free.


  1. When looking to improve financial habits, users want personalized insights and tailored recommendations to save more and spend wisely without feeling overwhelmed.

  1. When managing daily expenses, young adults want a hassle-free way to log and categorize spending so they can track where their money goes without manual effort.


  1. When creating a budget, users need smart recommendations and real-time alerts to help them stay within limits and avoid overspending.


  1. When reviewing their finances, users want clear visual summaries of spending, savings, and goals so they can make informed financial decisions effortlessly.


  1. When dealing with payments and bills, users need automated reminders and receipt tracking to ensure they never miss a payment and can manage finances stress-free.


  1. When looking to improve financial habits, users want personalized insights and tailored recommendations to save more and spend wisely without feeling overwhelmed.

PRODUCT FEATURES AND BENEFITS

  1. Effortless Expense Tracking

    Log daily spending with automatic categorization for better financial clarity.


  1. Clear Financial Insights

    Visualize spending, savings, and goals with easy-to-understand summaries


  1. Personalized Financial Learning

    Access tailored articles, links to resources, and insightful based on your knowledge level.

  1. Effortless Expense Tracking

    Log daily spending with automatic categorization for better financial clarity.


  1. Clear Financial Insights

    Visualize spending, savings, and goals with easy-to-understand summaries


  1. Personalized Financial Learning

    Access tailored articles, links to resources, and insightful based on your knowledge level.

Solution

Let me take you through the key screens and elements in them and what thought went behind it.
Let's go through the secyions one by one.

HOME SCREEN

The home screen is clean and minimal, offering a quick snapshot of your financial status at a glance.

Following the abstraction rule, only the most essential details are shown upfront, while deeper insights—like weekly analytics, spending categories, and savings—are just one tap away.

This ensures users stay informed without feeling overwhelmed.

BEHIND THE SCENES #1

Combining Home and Analytics

The initial Home and Analytics screen looked something like this.

It later occurred to me that even though the intention was to create a minimal home screen, this one was not solving the purpose.

The user was one click away from a lot of important analytics. Thus the idea was to combine them into one. If they user wanted more in-depth details we could guide them into a separate Expenses and Savings page.

A few more important changes from the initial version:

  • Remaining balance was highlighted, instead of overall expense

  • All expenses were shown in contrast to budget goal set for it

  • Expenses were grouped under Needs and Wants, as that as how a lot of youngsters learn to initially categorise money (The 50-30-20 rule)

  • The pie chart was removed as it didn't help with our - Financial status in one glance motive and was taking up a lot of space.

TRANSACTIONS

The Transactions screen consolidates all digital payment history in one place, sorted by date.


Users can search for specific transactions or manually add ones made via cash, cheques, or other methods.


*This feature was based on the assumption that most college students primarily use digital payment apps.

LEARNING

The Learning screen guides users through finance management in a simple, step-by-step way. Content is tailored to their level, unlocking new articles as they progress. The app also provides links to useful videos for deeper insights.

ONBOARDING

Onboarding is key to personalizing the app experience and building trust. It helps us understand user needs, current money management habits, and tailor features accordingly. Since users share sensitive financial data, establishing security and reliability from the start is essential.

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© 2025 Oindrila Mustafee

© 2025 Oindrila Mustafee

© 2025 Oindrila Mustafee