{"head":{"title":"Personal Finance App Development | OceanLab","description":"Personal finance apps we build: budgeting over open banking, subscription trackers, debt payoff planners, family money apps and savings round-ups.","canonical":"https://oceanlab.in/software/personal-finance"},"slug":"personal-finance","stats":{"builds":5,"countries":5,"systems":5},"featured":[{"meta":{"slug":"financia","industry":"personal-finance","projectType":"Budget & spending tracker","country":"de","tags":["fintech","ai","saas"],"compliances":["GDPR","BaFin","PSD2","ISO 27001"],"cover":{"src":"/financia-1.png","width":1440,"height":1647}},"text":{"en":{"title":"Financia - Personal Finance Console with AI Cashflow Insights","description":"Built a personal finance dashboard that ingests transactions across accounts, attributes spend by category, surfaces AI cashflow insights, and runs a live budget tracker with goal setting - shipped from clickable AI prototype to production in 10 weeks.","category":"FinTech / Personal Finance","client":"Financia"}}},{"meta":{"slug":"bangul","industry":"personal-finance","projectType":"Savings goals & round-ups","country":"kr","tags":["fintech"],"compliances":["Credit Information Use and Protection Act (MyData)","Real Name Financial Transactions Act","PIPA","Electronic Financial Transactions Act","Financial Consumer Protection Act","KDIC deposit protection","Network Act (advertising consent)","Telecommunications Fraud Refund Act"],"cover":{"src":"/case-studies/bangul/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Bangul - Savings Goals and Round-Ups App with Bank-Held Savings","description":"Designed and built a clickable savings app for a Seoul fintech with a MyData licence: customers set goals, switch on round-ups, payday, weekly, guilty pleasure, rainy day and challenge rules, and see every won their rules move into a savings pocket held in their name at a partner bank.","category":"Personal Finance / Savings Goals & Round-Ups","client":"Onmaru Labs"}}},{"meta":{"slug":"cairn","industry":"personal-finance","projectType":"Debt payoff coach","country":"us","tags":["fintech","mobile"],"compliances":["FCRA","Credit Repair Organizations Act","GLBA","FTC Safeguards Rule","UDAAP","CARD Act","FDCPA","TCPA","CAN-SPAM","CFPB Section 1033","WCAG 2.2 AA"],"cover":{"src":"/case-studies/cairn/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Cairn - Debt Payoff Coach with Side-by-Side Payoff Plans and No Offers","description":"Designed and built a clickable debt payoff coach for a US personal finance company: every card and loan in one list, avalanche, snowball and custom plans compared against paying only the minimums, a minimum-only versus plan view on every debt, and a read-only credit score with no card or loan offers anywhere.","category":"Personal Finance / Debt Payoff Coach","client":"Lindenfield Money, Inc."}}},{"meta":{"slug":"cluse","industry":"personal-finance","projectType":"Subscription tracker","country":"fr","tags":["fintech"],"compliances":["Three-click cancellation (L215-1-1)","Loi Chatel","Loi Hamon","Consumer Rights Directive","PSD2","SEPA Core Direct Debit","eIDAS","Ranking disclosure (L111-7)","Unfair Commercial Practices Directive","Digital Services Act","GDPR","WCAG 2.2 AA and RGAA"],"cover":{"src":"/case-studies/cluse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Écluse - Subscription Tracker That Finds, Cancels and Checks Every Recurring Charge","description":"Designed and built a clickable subscription tracker for a Lyon consumer app company: it finds the recurring charges in a member's bank accounts, explains which French consumer rule lets them leave, writes the cancellation letter or email, and watches the account until the charges really stop.","category":"Personal Finance / Subscription Tracking","client":"Pervenche Labs SAS"}}},{"meta":{"slug":"kaudi","industry":"personal-finance","projectType":"Family money app","country":"in","tags":["fintech"],"compliances":["RBI PPI Master Directions","PSS Act 2007","DPDP Act 2023","DPDP Rules 2025","RBI card tokenisation","PCI DSS","RBI failed-transaction TAT","RBI Integrated Ombudsman Scheme","Online Gaming Act 2025","TRAI DLT"],"cover":{"src":"/case-studies/kaudi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Kaudi - Family Money App with Parent-Controlled RuPay Cards","description":"Designed and built a clickable family money app for a Bengaluru fintech and its partner bank: parents top up each child's bank-issued prepaid wallet over UPI, set allowances and limits, approve requests and freeze cards, while teens aged 10 to 17 spend on a RuPay card that only works where their parent allows.","category":"Personal Finance / Family Money App","client":"Saanjh Fintech"}}}],"systems":[{"slug":"bangul","title":"Bangul - Savings goals & round-ups"},{"slug":"cairn","title":"Cairn - Debt payoff coach"},{"slug":"cluse","title":"Écluse - Subscription tracker"},{"slug":"financia","title":"Financia - Budget & spending tracker"},{"slug":"kaudi","title":"Kaudi - Family money app"}],"problems":[{"id":"bank-data-aggregation","studies":[{"slug":"cluse","title":"Écluse - Subscription tracker"},{"slug":"bangul","title":"Bangul - Savings goals & round-ups"}]},{"id":"subscription-tracking","studies":[{"slug":"cluse","title":"Écluse - Subscription tracker"}]},{"id":"debt-payoff","studies":[{"slug":"cairn","title":"Cairn - Debt payoff coach"}]},{"id":"family-money","studies":[{"slug":"kaudi","title":"Kaudi - Family money app"}]},{"id":"savings-roundups","studies":[{"slug":"bangul","title":"Bangul - Savings goals & round-ups"}]}],"cited":[{"label":"GDPR","count":2},{"label":"PSD2","count":2},{"label":"BaFin","count":1},{"label":"CAN-SPAM","count":1},{"label":"CARD Act","count":1},{"label":"CFPB Section 1033","count":1},{"label":"Consumer Rights Directive","count":1},{"label":"Credit Information Use and Protection Act (MyData)","count":1},{"label":"Credit Repair Organizations Act","count":1}],"frameworkCounts":{"psd2":2,"gdpr":2,"pci-dss":1}}