SpendWise — give every
dollar a job.
A modern financial operating system: onboard, connect accounts, build a zero-based budget, track every transaction, and let AI-assisted planning keep the plan honest — calm, mobile-first, and operationally thoughtful.
- Role
- Product & systems design
- Surface
- iOS · Android · Web
- Method
- Zero-based budgeting
- Stack
- React Native · Expo · Node · Postgres · Prisma
This month
Give every dollar a job
Assign your money to your budget categories.
Ready to Assign
tap to finish your plan
The friction
Money is everywhere. Clarity isn't.
Most people don't lack discipline — they lack one place where the plan, the accounts, and the spending actually meet. SpendWise starts there.
Fragmented visibility
Balances scattered across banks and apps.
Budgeting friction
Spreadsheets that rot after week one.
Disconnected tracking
Transactions that never reach a plan.
Overwhelming planning
Too many knobs, no clear next step.
Poor organization
Spending piles up uncategorized.
One plan underneath
Accounts, budget, and transactions on a single operational model.
The product
One operating system for your money.
Onboarding to optimization, on a single model — here's what each surface looks like.
Create categories with monthly targets and utilization bars.
What do you spend on?
Add your budget categories so you're ready to assign your money.
The flow
From signup to a plan that runs itself.
Six steps, one continuous motion — no dead ends, no spreadsheet exports, no context switching.
Onboard
Name, currency, pay schedule.
1Connect accounts
Checking, savings, cash.
2Build the budget
Categories with monthly targets.
3Track spending
Auto-categorized transactions.
4See insights
Trends and AI nudges.
5Optimize the plan
Reassign, roll over, automate.
6What do you spend on?
Add your budget categories so you're ready to assign your money.
Insights & planning
See where it goes. Know what's next.
Analytics that feed planning, not just charts that sit there — every view points at a decision.
Spending analytics
Last 8 weeks · all categories
Category tracking
Budget utilization
100%
Housing
84%
Groceries
142%
Dining Out
60%
Monthly Bills
Age of money
23 days
Ready to assign
$240
Spent this month
$1,684
Forecast end-of-month
$2,090
AI-assisted planning
You're on pace to overspend Dining Out by ~$60. Move $40 from Groceries and $20 from Monthly Bills to stay on plan?
Mobile experience
Built mobile-first, not mobile-shrunk.
The phone is where money decisions actually happen — so the planning model, not a cut-down version of it, lives there.
Where is your money?
Add your bank, investment, and cash accounts.
Linked accounts
What do you spend on?
Add your budget categories so you're ready to assign your money.
Give every dollar a job
Assign your money to your budget categories.
Ready to Assign
This month
Spending by category
Thumb-reachable actions
Primary controls live in the bottom third.
Bottom-sheet flows
Add a transaction or assign money without leaving the screen.
Optimistic updates
The plan reflects your tap immediately; sync follows.
Offline-tolerant
Capture spending now; reconcile when you reconnect.
Future · AI opportunities
Where the assistant goes next.
Grounded extensions of the same model — assistive, explainable, and always reversible.
Intelligent budgeting assistance
Suggest category targets from spending history and upcoming bills.
Predictive spending insights
Forecast month-end by category before it happens.
Financial workflow copilot
"Move $50 from Groceries to Dining Out" in plain language.
Anomaly detection
Flag duplicate charges and unusual merchants for review.
Planning automation
Auto-roll leftover funds and auto-fund true expenses each cycle.
Contextual recommendations
Nudges tied to recurring bills, low buffers, and goal pace.
Directions under consideration, not shipped features. Each would surface its reasoning and stay user-confirmable.
Want a walkthrough of the platform?
Happy to talk through the zero-based budgeting model, the onboarding flow, and how AI-assisted planning stays grounded and reversible.