Product Roadmap

Last updated March 2026 · Phase 1 shipped · Phase 2 in progress

Phase 1 is fully shipped — core AI, transactions, budgeting, goals, and subscriptions are live on both web and mobile. Phase 2 deepens the AI, adds collaboration, and makes BudgX indispensable for long-term financial health.

Phase 1 — Shipped

Everything below is live and working in production on both web and mobile.

Auth (signup, login, password reset, 2FA)
Transaction tracking (manual + Plaid bank linking)
AI auto-categorisation (Claude)
Budget management + 50/30/20 templates
Goals tracking (savings & debt payoff)
Dashboard with charts & spending insights
AI chat coach (personalised Q&A)
Weekly email insights (cron)
Stripe subscriptions + premium gating
Affiliate recommendations (credit cards, savings)
Referral program
Admin analytics dashboard
Multi-currency support
GDPR compliance (export & delete)
Push notifications (FCM)
Gamification (streaks & badges)
54 mobile screens (Flutter)
71 API routes (Next.js)

Phase 2 goals

Increase premium conversion from 5% → 15%
Lower monthly churn from 8% → 3%
Grow MAU from 10K → 30K
Achieve 4.5+ App Store rating
Build features competitors can't easily replicate

Phase 2A: Enhanced intelligence

Months 1–3 · Make AI smarter and more valuable

Recurring transaction detection

SHIPPEDCRITICAL2–3 weeks

Automatically detect recurring transactions (subscriptions, bills, rent) and surface insights on subscription spend. Helps everyone and drives engagement.

Highlights

Detect patterns from amount, merchant, and date intervals
Recurring list with total monthly spend and "forgot about this?" alerts
Dashboard widget: top subscriptions at a glance
AI insights: e.g. "You're paying for 3 streaming services"

Success metrics

Detect 90%+ of actual recurring transactions
Help users find $50+ in unused subscriptions
25% increase in engagement

Bill reminders & upcoming expenses

PLANNEDHIGH1–2 weeksPremium

Remind users of upcoming bills from detected recurring patterns. Calendar view of expected expenses and push/email reminders before due dates.

Highlights

Reminders 1, 3, or 7 days before due
Upcoming expenses screen and dashboard widget
Push notifications at 9am user local time

Success metrics

60%+ of premium users enable reminders
Reduce missed payment fees
20% of upgrades attributed to this feature

Advanced reports & analytics

SHIPPEDMEDIUM3–5 weeksPartially gated

Comprehensive financial reports: spending by category, trends, tax categories, net worth. Export to PDF/CSV. Basic free; trends and tax reports premium.

Highlights

Spending overview, trends, tax report, net worth report
Interactive charts and date range picker
Download as PDF, CSV, or Excel

Success metrics

40% of users view reports monthly
Premium users generate 3+ reports/month
15% of premium upgrades from reports

Smart budget recommendations

SHIPPEDMEDIUM2 weeksPremium

AI analyzes spending and recommends optimal budget amounts per category. Adapts over time. One-click apply and budget templates (e.g. Young Professional, Debt Payoff).

Highlights

Recommendations from 3–6 months of history and 50/30/20
One-click "Apply recommendations"
Templates: Young Professional, Family, Debt Payoff, Aggressive Saver

Success metrics

70% of users try AI recommendations
30% better adherence with AI budgets
10% of premium upgrades

Phase 2B: Expanded capabilities

Months 3–6 · Support more financial use cases

Multi-currency support

SHIPPEDHIGH2–3 weeks

Support multiple currencies with automatic conversion and tracking. Show original and converted amounts; budgets in any currency with primary-currency totals.

Highlights

20+ major currencies, daily rate refresh
Display e.g. "€50.00 (≈ $54.25 USD)"
Primary currency and auto-detect from Plaid

Success metrics

Support 20+ currencies
<1% conversion error
Required for international expansion

Shared budgets & goals

PLANNEDMEDIUM3–5 weeksPremium

Share budgets and goals with a partner or family. Real-time sync, combined totals, and activity feed. Permissions: view, edit, admin.

Highlights

Invite by email, accept/revoke access
Shared budget screen: "You: $340, Partner: $210, Total: $550 / $800"
Shared goals with combined contributions

Success metrics

25% of premium users share at least one budget
2x retention for shared users
15% of upgrades (couples)

Investment tracking

PLANNEDMEDIUM4–6 weeksPremium

Connect investment accounts (401k, IRA, brokerage) and track net worth, allocation, and performance. Read-only; educational only, not financial advice.

Highlights

Plaid investment accounts, holdings and transactions
Asset allocation and performance (1W, 1M, YTD, 1Y)
Net worth over time and AI portfolio insights

Success metrics

30% of premium users connect investments
Increases perceived value
10% of premium upgrades

Debt payoff planner

PLANNEDMEDIUM2–3 weeksPremium

Track debts and build optimized payoff plans (snowball or avalanche). See payoff timeline and interest saved vs minimum payments.

Highlights

Debt list with balance, rate, minimum, due date
Snowball vs avalanche vs custom
Extra monthly payment and projected payoff date
Integration with budget and milestone celebrations

Success metrics

20% of users track at least one debt
40% faster payoff with planner
High emotional value and retention

Custom categories

SHIPPEDLOW1 weekPremium

Create custom transaction categories beyond the default set. Free: up to 3 custom; Premium: unlimited.

Highlights

Create, edit, delete, reorder custom categories
Name, icon, color

Success metrics

40% of premium users create custom categories
Average 3 custom categories per user

Phase 2C: Mobile-first features

Months 6–9 · Leverage native mobile capabilities

Receipt scanning & OCR

SHIPPEDHIGH3 weeks (mobile)Partially gated

Scan receipts with the camera; extract amount and merchant via OCR. Match to transactions or create new ones. Free: 5 scans/month; Premium: unlimited.

Highlights

Camera, crop, upload to storage
OCR (e.g. ML Kit) for merchant, total, date
Receipt gallery and export for taxes

Success metrics

30% of mobile users scan at least one receipt
90% OCR accuracy on total
10% of premium upgrades

Widgets (iOS & Android)

PLANNEDMEDIUM2 weeks (mobile)

Home screen widgets: single budget, top 3 budgets, or overview + recent transactions. Deep link into app.

Highlights

Small, medium, large widget types
WidgetKit (iOS) and Jetpack Glance (Android)
Choose budget, light/dark theme

Success metrics

40% of mobile users add at least one widget
2x daily engagement for widget users
Better App Store visibility

Offline mode

PLANNEDLOW3 weeks

Use the app offline with local cache; sync when back online. View and add transactions, update budgets and goals; changes queue and sync.

Highlights

Local DB (e.g. Hive/SQLite), cache last 30 days
Background sync and conflict resolution
"Syncing…" indicator

Success metrics

No data loss when offline
Seamless sync when reconnected
Expected for 5-star reviews

Biometric quick access

SHIPPEDHIGH1 week

Face ID or fingerprint for app access and sensitive actions. Reduces friction and improves security.

Highlights

Enable in onboarding or settings
Fallback to password
Optional: require for app launch, viewing transactions, export, delete account

Success metrics

80%+ of users enable biometric
More usage and better reviews

Phase 2D: Growth & retention

Ongoing · Acquire and retain users

Social features & gamification

SHIPPEDLOW4 weeks

Achievements, milestones, and streaks to make finance more engaging. Optional share to social; privacy-conscious leaderboards (opt-in, anonymous).

Highlights

Achievements and badges (e.g. first budget, goal reached)
Milestones and optional social sharing
Daily check-in and budget adherence streaks

Success metrics

40% increase in daily active users
20% churn reduction
Viral coefficient > 1.1

Referral program

SHIPPEDMEDIUM2 weeks

Refer friends and earn rewards. Unique link; reward both referrer and referee (e.g. free premium months).

Highlights

Referral code and tracking
Referrer: up to 12 months free; referee: 1 month trial
Share via SMS, email, social; track count and rewards

Success metrics

15% of users refer at least one person
30% referral conversion
Referral CAC < $10

Webhooks & API access

PLANNEDLOW3 weeksDeveloper tier

REST API and webhooks for integrations (e.g. IFTTT, Zapier, custom dashboards). Developer portal with API keys and rate limits.

Highlights

GET/POST transactions, budgets; webhooks for key events
API key management and usage dashboard
Rate limits e.g. 1000 req/hour

Success metrics

50+ developers in first year
Ecosystem of 10+ integrations

White label / embedded budgeting

PLANNEDLOW8 weeksEnterprise

Let banks and fintechs embed BudgX with custom branding, domain, and feature set. iFrame/SDK, SSO, SLA, and custom pricing.

Highlights

Custom logo, colors, domain; optional budgx branding removal
iFrame and SDK, SSO
Dedicated support and SLA

Success metrics

3+ enterprise customers in first year
Scale to millions of end users

Deferred / research needed

These areas need more research, validation, or resources before we commit:

·Crypto tracking (regulatory uncertainty, exchange APIs)
·AI financial advisor chat (regulatory, liability)
·Split expenses / bill splitting (competitive, complex UX)
·Credit score monitoring (partnerships, cost)
·Mortgage / rent tracking (limited differentiation)
·Tax optimization (varies by region)
·Round-up savings (may require money movement license)

Implementation priorities

Must have (Months 1–3)

Recurring detection
Bill reminders
Advanced reports
Smart budget recommendations

Should have (Months 4–6)

Multi-currency
Shared budgets
Investment tracking
Debt payoff planner

Nice to have (Months 7–9)

Receipt scanning
Widgets
Offline mode
Biometric auth

Success metrics (9 months post-launch)

Premium conversion5% → 15%
Monthly churn8% → 3%
MAU10K → 30K
App Store rating4.2 → 4.5+