Lumi – Smart Budget Planner

Lumi is an AI-powered personal finance and budgeting app that helps users take control of their money through expense tracking, smart budgets, subscription management, and a personalized AI coach that turns daily spending into actionable insights. Users log expenses in seconds, set category budgets, monitor recurring bills and subscriptions, and receive AI-generated insights that spot spending leaks, forecast month-end totals, and coach them toward their savings goals. The app combines financial tracking, AI coaching, habit-building, and rich analytics into a clean, modern experience designed for long-term retention. Included in This Sale — iOS App Delivery: - GitHub transfer or ZIP archive including full source code and assets Key Features - Fast expense entry with categories, notes, and merchant details - AI-powered financial coach that answers questions about your spending - Smart insights engine that detects patterns, leaks, and anomalies - Personalized budgets by category with real-time progress tracking - Recurring expense manager for bills and fixed costs - Subscription tracker to surface and cancel unused subscriptions - Detailed transaction history with search and filtering - Daily, weekly, and monthly analytics dashboards - Rich charts and trend visualization (spending, income, categories) - Home dashboard with balance, budgets, and recent activity at a glance - Category breakdowns with visual proportion charts - Personalized onboarding: - Income - Financial goals - Preferred currency - Budget preferences - AI-generated recommendations and savings suggestions - Push notifications for budget alerts and bill reminders - Recurring transaction automation - Local, offline-capable storage with persistence - Privacy-focused design — financial data stored on-device - Modern indigo design system with smooth animations and gradients - Custom SVG app icon and branded splash screen - Bundled DMSans typography for a polished look Tech Stack React Native 0.83 (CLI): High-performance cross-platform architecture TypeScript 5.8: Strongly typed and scalable codebase AI Integration: Google Gemini via @google/genai for: - AI coach conversations - Smart insight generation - Spending pattern analysis - Personalized savings recommendations State Management: - Redux Toolkit 2.8 + Redux Persist with AsyncStorage - Domain slices for budgets, insights, coach, recurring, and user UI & Animation: - React Native Reanimated 4 - React Native Linear Gradient - React Native SVG - React Native Gifted Charts - React Native Vector Icons (full icon font suite bundled) - React Native Modal + Modal DateTime Picker - Responsive screen sizing via react-native-responsive-screen - Safe area context and native screens Media & Input: - React Native Image Crop Picker - React Native Gesture Handler - React Native Permissions - Community Geolocation Notifications: - Notifee (@notifee/react-native) for local notifications, budget alerts, and bill reminders Subscriptions: - RevenueCat SDK (react-native-purchases) + RevenueCat UI paywalls - Native iOS StoreKit bridging module included (Swift + Objective-C) Navigation: - React Navigation 7 (native stack + bottom tabs) Subscription Business Model Premium Subscription Access: The app monetizes through a RevenueCat-powered subscription paywall shown during onboarding, when premium features are accessed, and from the Settings screen. Premium Features: - Unlimited AI coach conversations - Advanced smart insights and forecasts - Full historical analytics and long-term trends - Recurring and subscription automation - Priority reports and personalized recommendations - Future premium features and content Revenue Strategy: Recurring monthly and annual subscriptions targeting budgeters, personal finance enthusiasts, subscription-cancellers, savers, and users who want AI guidance without h