AlignMoney Finance App
AlignMoney is a personal finance super-app that unifies budgeting, savings, bills, debt management, calculators, AI insights, gamification, and couple-friendly tools into one seamless platform.
About the project
The goal for building this app was to simplify money management by combining budgeting, savings, debt tracking, and advanced calculators with AI insights, gamification, and couple-friendly tools. It consolidates what would typically require multiple apps into one seamless platform, making financial management simple, collaborative, and engaging.
Date:
Jul 30, 2025
Team:
Product Manager, Engineer, Senior Product Designer, UX Researcher
My Role:
Product Design & UX Researcher
Problem
Managing personal finances often requires multiple apps for budgeting, bill tracking, debt management, and learning. Users found it overwhelming to switch between tools and lacked a single, intuitive platform to see the bigger picture of their financial health.
Solution
We designed AlignMoney, a personal finance super-app that consolidates these needs into one cohesive experience. The app combines budgeting, savings goals, bill tracking, debt repayment strategies, and financial calculators with modern features like AI insights, gamification, and collaborative tools for couples.
Key Features
Budgeting & Savings: Track spending, set savings goals, and monitor progress.
Debt Optimizer: Avalanche and snowball repayment strategies.
AI-Powered Insights: Personalized financial recommendations and health scoring.
Partnership Mode: Shared budgets and expense management for couples.
Gamification: Challenges, achievements, and rewards to encourage good financial habits.
Education: Micro-learning financial tips integrated into the experience.
The Moat (Competitive Advantage)
Split Expense Innovation
Advanced expense splitting with contact management and automated balance tracking, seamlessly integrated into the main finance experience.Couples-First Design
Enables true collaborative financial planning with built-in partnership tools that go beyond simple account sharing.Educational Integration
Micro-learning modules teach users about personal finance while they manage money, fostering long-term engagement.Comprehensive Calculator Suite
Professional-grade financial planning tools, including precise state tax calculations, all in one app.
My Role
UX Researcher & Designer
Collaborated with designers, PM, and engineers to define the product vision and design an intuitive, research-driven experience, all built collaboratively on Replit.
Conducted user research with individuals and couples to uncover financial pain points.
Translated insights into journey maps and design opportunities focused on trust and transparency.
Created low- to high-fidelity prototypes on Replit, emphasizing clarity, accessibility, and engagement.
Worked closely with engineers and PM through design sprints to align usability with technical feasibility.
Research
Conducted user interviews with individuals and couples to uncover how money is currently managed, what tools are used, and the main pain points. Identified that most people juggle multiple apps for budgeting, bills, and debt, while couples struggled with transparency and collaboration. Insights helped prioritize opportunities for improvement.
Competitive Analysis
Users currently rely on a mix of apps to manage personal and shared finances, each with different strengths:
Monarch Money – strong in budgeting, goal tracking, and net worth overview; lacks social features and advanced calculators.
Copilot Money – excels at expense tracking, budgets, and AI-powered categorization; limited in social features and financial education.
MoneyWiz – supports income/expense tracking, budgets, and reports; doesn’t support collaborative or social features.
Allo – provides holistic finance insights with value-aligned tagging and educational advice; weak on bill splitting and group features.
Splitwise – excellent for shared expenses and group debt balancing; doesn’t cover full personal finance, budgeting, or educational content.
Insights for AlignMoney
Most competitors focus on either personal finance tracking or social/educational features, not both.
There is a gap for a platform that combines AI insights, gamification, couples-first collaboration, and educational micro-learning in one unified app.
