Income Tracking Mobile App

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Inspired by a conversation on:

The Diary Of A CEO with Steven Bartlett

Investing Vs Real Estate Vs Crypto Debate: The Retirement Crisis Is Coming & They’re Lying To You About Renting!

Host: Steven Bartlett

Timestamp: 10:00 - 12:00

Listen to Episode • View Podcast • All Ideas from The Diary Of A CEO with Steven Bartlett

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Direct Quote

"A simple tip that I think people can do is just kind of figure out how much they spend on a monthly basis."

Market Gap

Many Americans lack awareness of their monthly spending patterns.

A significant number of Americans are unaware of their actual monthly spending, with studies showing that 65% have no idea what they spent in the last month. This lack of awareness leads to poor financial decisions and can result in individuals getting into debt. The emotional stress associated with financial mismanagement is another layer of the problem, as many people avoid checking their finances altogether. Current budgeting tools often fail to engage users effectively, leaving them without a clear understanding of their financial habits.

Summary

The idea is to create a mobile app focused on tracking monthly expenses and income. This app would allow users to easily log their daily expenditures, categorize them, and receive insights into their spending patterns over time. By providing notifications and reminders, the app can help users stay engaged and motivated to track their finances. The target audience would include millennials and Gen Z individuals who are financially conscious but may struggle with traditional budgeting methods. Similar to how other personal finance apps operate, this app could include gamified elements to encourage consistent use and improve financial literacy.

Categorization

Business Model

SaaS

Target Founder

Technical

Difficulty

Medium

Time to Revenue

3-6 months

Initial Investment

$1,000-$10,000

Potential MRR (18-24 months)

Conservative

$2,000 - $5,000 MRR

Moderate (Most Likely)

$10,000 - $20,000 MRR

Optimistic

$40,000 - $80,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity

8/10

Novelty

7/10

Feasibility

8/10

Market Potential

9/10

Evidence

8/10

Overall

8/10

Found on September 15, 2025 • Analyzed on September 15, 2023 7:16 AM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

Customer interviews: Talk to Technical to understand their pain points
MVP approach: Build a simple landing page to test demand
Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your medium difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 3-6 months, here's my recommendation:

Technical Strategy:

Start with no-code tools for rapid prototyping
Consider your technical background and available $1,000-$10,000
Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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