Wise Spend - Personal Finance Management App & Website (Subscription Based)

Wise Spend - Launch Your Own Personal Finance SaaS

Wise Spend is a production-ready, subscription-based personal finance management platform built on Laravel, AngularJS, and Capacitor. It ships with a full-featured mobile app for Android and iOS, a web dashboard, and a SaaS admin panel - giving you everything you need to launch a budgeting and expense tracking product and monetise it with subscriptions.

Designed for developers and entrepreneurs who want to enter the booming personal finance app market without starting from scratch.

What's Included

• User Mobile App (Android + iOS) - Track expenses, set budgets, log income, view spending breakdowns, and receive smart alerts - all from a clean, intuitive mobile interface.

• Web Dashboard - Full-featured browser version for users who prefer to manage finances on desktop. Same data, synced in real time.

• Landing Page - Conversion-ready marketing landing page to promote the app and drive subscriptions.

• SaaS Admin Panel - Manage users, subscription plans, payments, content, and platform settings from one dashboard.

Core Finance Features

• Expense Tracking - Log expenses by category (Food, Transport, Shopping, Bills, Health, etc.) with date, notes, and receipt photo

• Income Management - Track multiple income sources - salary, freelance, business, investments

• Budget Setting - Set monthly budgets per category with progress bars and overspend alerts

• Savings Goals - Create savings goals (holiday, emergency fund, gadget) and track contribution progress

• Recurring Transactions - Automate recurring expenses and income (rent, salary, EMIs, subscriptions)

• Multi-Account Management - Manage bank accounts, credit cards, wallets, and cash in one place

• Transfer Between Accounts - Log internal transfers between your own accounts without double-counting

• Reports & Analytics - Monthly summary, category breakdown, income vs expense chart, net worth tracker

• Spending Trends - Visual graphs showing spending patterns over weeks, months, and years

• Export to CSV / PDF - Download transaction reports for any date range

• Multi-Currency Support - Track expenses in different currencies with conversion support

• Smart Alerts - Budget overspend alerts, bill due reminders, and unusual spending notifications

Subscription & SaaS Features

• Free and paid subscription tiers with feature gating

• Subscription billing via Razorpay and Stripe

• Plan management - control account limits, reports, and export per plan

• Trial period management with auto-conversion to paid

• Super admin dashboard with MRR, ARR, subscriber growth, and churn

• User management with manual plan override capability

• Coupon and referral code support

Security & Privacy

• End-to-end data isolation - each user's data is private and never shared

• Two-factor authentication (2FA) via OTP

• PIN / biometric lock on the mobile app

• Data export and account deletion (GDPR-friendly)

Tech Stack

• Backend API: Laravel 11 (REST API)

• Mobile App: AngularJS + Capacitor (Android + iOS)

• Web Dashboard: AngularJS + Bootstrap

• Database: MySQL

• Push Notifications: Firebase Cloud Messaging (FCM)

• Payments: Razorpay, Stripe

Server Requirements

• PHP 8.1+, Laravel 11, MySQL 8+

• Node.js 18+ (for Capacitor build)

• Firebase project (FCM)

• Razorpay or Stripe account (subscription billing)

• Android / iOS developer account for app store deployment

Who Is This For?

Built for developers and entrepreneurs who want to launch a personal finance SaaS - a ready-to-go alternative to apps like Walnut, Money Manager, or YNAB - with full control over the code, branding, and revenue.

Buy once, run your own finance SaaS. Full source code. 6 months support.