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FinTech AI-Native Mobile

AI-Powered
Expense Tracker

A full-stack expense tracking platform that eliminates manual data entry entirely. Users photograph receipts and AI handles extraction, categorization, budgeting, subscription detection, and smart shopping lists.

<60
Days
16
Features
6
AI Models
50+
Endpoints
Home dashboard showing spending overview with daily chart and top categories
The Challenge

Eliminate manual expense tracking — entirely.

Our client needed a consumer-grade expense tracking app that was zero-friction, AI-native, cross-platform, and production-ready — shipped in under two months.

touch_app

Zero-Friction

No manual entry, no bank linking, no spreadsheets. Snap a photo and the AI does the rest.

auto_awesome

AI-Native

Receipt scanning, smart categorization, spending insights, and budget recommendations powered by LLMs.

devices

Cross-Platform

iOS and Android from a single Flutter codebase. Native performance on both platforms.

verified

Production-Ready

Background jobs, push notifications, subscription billing, multi-account support, and tax reporting.

rocket_launch

Shipped Fast

Market window demanded delivery in under 60 days. We compressed a 6-to-9-month project into fewer than 60 days.

database

Massive Scope

16 feature modules, 50+ API endpoints, 5 background job queues, and multi-model AI pipelines.

Our Approach

AI-first development, end to end.

AI was not just a product feature — it was the backbone of our entire development workflow.

architecture

Architecture & Planning

AI-assisted code generation scaffolded our clean architecture — use cases, data access objects, service factories, and route registration — in hours rather than days.

code

Code Generation at 3-5x Velocity

AI pair-programming handled Zod schema definitions, Drizzle ORM table schemas, Riverpod providers, and API endpoint wiring — refined by senior engineers.

psychology

AI Feature Development

Prompt engineering, structured output parsing, and model orchestration iterated rapidly. AI coding assistants helped design prompts and fallback logic in tight feedback loops.

bug_report

Full-Stack Debugging

AI traced issues across the full stack — from Flutter widget trees to PostgreSQL query plans — reducing mean time to resolution dramatically.

Core Feature

Snap a receipt.
AI does the rest.

Users photograph a receipt and the system extracts every detail in seconds — merchant name, line items with quantities, tax, tip, payment method, and automatic category assignment.

  • check_circle Merchant name and normalized identifier
  • check_circle Line items with name, quantity, unit price, and total
  • check_circle Subtotal, discounts, tax, tip, and grand total
  • check_circle Automatic category and subscription detection

Model: Google Gemini Flash for vision-capable processing via OpenRouter

Receipt scanning screen with camera and upload options
Receipt detail showing Costco purchase with itemized breakdown
Home dashboard with daily spending chart and top category
Category deep dive with AI-powered spending insights and trends
Smart Analytics

Spending intelligence,
not just charts.

The dashboard goes beyond simple graphs. AI analyzes spending patterns per category, identifies trends, spots anomalies, and delivers actionable tips — like suggesting budget billing to smooth out utility spikes.

  • check_circle Real-time spending overview with category breakdowns
  • check_circle Merchant-level analysis with month-over-month trends
  • check_circle AI-generated trend analysis, pattern detection, and tips
  • check_circle Spending anomaly alerts via push notifications
6 AI-Powered Features

AI woven into every interaction.

From the moment a receipt is scanned to the monthly spending review, AI powers every intelligent feature in the app.

AI-generated monthly spending review with analysis

Month-in-Review

AI generates narrative spending summaries with highlights, anomalies, and actionable suggestions for the coming month.

Semantic search with natural language query finding dining receipts

Semantic Search

Search receipts with natural language — "dining out receipts last week" — powered by vector embeddings and pgvector similarity search.

AI-generated grocery shopping list with estimated prices

Smart Shopping Lists

AI analyzes purchase frequency and generates contextual shopping lists with estimated costs based on past receipt history.

Spending highlights and deeper insights with week-by-week analysis

Budget Recommendations

AI analyzes historical spending patterns per category and suggests monthly budget targets with transparent reasoning.

Tools dashboard with Smart Shopping List, Subscriptions, and Receipt Organizer

Subscription Detection

Automatic identification of recurring charges with billing cadence detection. Know exactly what you're paying every month.

In-store shopping mode with categorized items and running total

In-Store Mode

Take AI-generated shopping lists into the store. Check items off as you shop with a running cart total and finish by scanning your receipt.

Designed for Every Moment

Beautiful in light. Stunning in dark.

Full dark mode support across every screen, designed for comfortable use at any time of day.

AI search in dark mode
Home dashboard in dark mode
Category breakdown in dark mode with donut chart
Receipt detail in dark mode
Architecture

Built for scale from day one.

A monorepo with clean architecture, type-safe database access, background job processing, and multi-model AI pipelines.

smartphone

Mobile App

Flutter & Dart — single codebase for iOS & Android

State Management Riverpod 3
Navigation GoRouter 17
HTTP Client Dio 5
Charts FL Chart
Subscriptions RevenueCat
Monitoring NewRelic
dns

Backend API

Node.js, TypeScript & Hono — high-performance API

Framework Hono 4
ORM Drizzle ORM
Validation Zod 4
Job Queues BullMQ
AI SDK Vercel AI SDK
Monitoring NewRelic APM
storage

Database & Infra

PostgreSQL with pgvector — vector search built in

Database PostgreSQL 18
Vector Search pgvector
Cache / Queue Redis 8
Container Docker (Alpine)
Push Firebase
Email Resend

Clean Architecture — Every Request Flow

HTTP Request arrow_forward Middleware arrow_forward Zod Validation arrow_forward Use Case arrow_forward Result Type arrow_forward JSON Response

This strict, testable flow allowed multiple developers to work on independent features without merge conflicts.

email SendEmail Login codes, invites
notifications Push FCM delivery
analytics Analytics AI insights batch
schedule Scheduled Quiet hours
warning Alerts Anomaly detection
Scope

16 feature modules. One sprint.

Every feature was independently valuable and built on the data foundation of the previous one.

home Home Dashboard
document_scanner AI Receipt Scanning
edit_note Manual Entry
autorenew Subscription Detection
savings Budget Planning
shopping_cart Smart Shopping Lists
donut_small Category Deep Dive
summarize Month-in-Review
search AI-Powered Search
notifications Notifications Center
mark_email_read Email Reminders
star Paywall & Premium
group Multi-Account Support
receipt_long Tax Report Export
handyman Tools Dashboard
settings Settings & Profile
Results

The numbers speak for themselves.

<60
Days to Production
100K+
Dev Builds
50+
API Endpoints
v26
App Version
16
Feature Modules
6
AI Integrations
5
Job Queues
17
DB Tables
Lessons Learned

What we took away.

AI as a Development Multiplier

AI coding assistants didn't replace our engineers — they amplified them. Senior developers focused on architecture, edge cases, and product decisions while AI handled boilerplate and pattern replication. The result was senior-level output at 3-5x the velocity.

Clean Architecture Pays Off at Speed

Investing in a strict use-case pattern up front seemed costly for a sprint, but it paid dividends immediately. New features dropped into the architecture like puzzle pieces. Multiple developers worked in parallel without stepping on each other.

Monorepo for Velocity

Sharing Zod schemas, TypeScript types, and conventions across the codebase eliminated an entire class of integration bugs. When a receipt schema changed, both ends of the stack updated together.

Ship AI Features Incrementally

We launched receipt scanning first, then layered on budget suggestions, monthly reviews, and shopping lists. Each AI feature was independently valuable and built on the data foundation of the previous one.

Project Timeline

Under 60 days, from concept to production.

Days 1-5

Discovery, Strategy & Architecture Design

AI-assisted architecture planning, clean pattern scaffolding, monorepo setup

Days 6-12

Core Infrastructure & Auth

PostgreSQL schema, Redis, BullMQ queues, passwordless auth, session management

Days 13-35

Feature Development Sprint

16 feature modules, 50+ endpoints, AI receipt scanning, dashboard, budgets, search

Days 36-48

AI Pipeline Refinement

Multi-model orchestration, prompt tuning, monthly reviews, smart shopping lists, anomaly detection

Days 49-55

Testing, QA & Polish

End-to-end testing, dark mode, RevenueCat integration, NewRelic monitoring setup

Days 56-60

Production Deployment & Launch

Docker containerization, CI/CD pipeline, store submission, production monitoring

Project Stats

v26.4.2

App Version at Launch

100,000+

Development Builds

3-5x

Developer Velocity

Platforms

iOS Android

AI Models

Vision/OCR Gemini Flash
Text Gen Gemini Flash Lite
Embeddings pgvector

Need an AI-powered app shipped in weeks?

We build production-grade mobile apps with AI capabilities — from receipt scanning to smart recommendations — at startup speed. Let's talk about your project.