{
  "schemaVersion": "1.0",
  "title": "Personal Finance and Expense Tracker App",
  "lang": "en",
  "prd": {
    "oneLiner": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
    "goal": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
    "whyNow": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
    "category": "Personal Productivity & Consumer App",
    "platforms": [
      "Web"
    ],
    "problem": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
    "solution": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
    "alternatives": "Notes, spreadsheets, general-purpose apps, and single-purpose trackers",
    "differentiator": "Connect personal goals, records, and progress so the next action is clear.",
    "targets": [
      {
        "name": "Individual tracking personal income, expenses, and savings goals",
        "role": "Individual user",
        "needs": "Capture personal goals and records quickly and know the next action.",
        "pain": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view."
      }
    ],
    "scenarios": [
      {
        "text": "A person sets a goal and reminder preferences.",
        "start": "P1"
      },
      {
        "text": "A person completes the core action or adds a record and checks progress.",
        "start": "P5"
      },
      {
        "text": "A person reviews weekly insights and adjusts the next action and reminders.",
        "start": "P6"
      },
      {
        "text": "A person exports their data or changes sharing boundaries.",
        "start": "P9"
      }
    ],
    "northStar": "Share of active users completing their planned weekly action",
    "kpis": [
      {
        "name": "First-week core-action completion",
        "target": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
        "baseline": "Not measured",
        "method": "Share of new users completing the core action or record within seven days",
        "refs": [
          "F5"
        ]
      },
      {
        "name": "Weekly return rate",
        "target": "Growing weekly active users",
        "baseline": "Not measured",
        "method": "Share of users recording, reviewing, or adjusting reminders each week",
        "refs": [
          "F8"
        ]
      },
      {
        "name": "User data-control completion",
        "target": "100% of data requests completed",
        "baseline": "Not measured",
        "method": "Completion history for export, deletion, and sharing-setting changes",
        "refs": [
          "F9"
        ]
      }
    ],
    "inScope": [
      "Income, expense, account, budget, and savings-goal entry",
      "Transaction, category, monthly budget, cash-flow, and goal-progress lookup",
      "Transaction categorization, recurring transaction, budget-alert, and monthly-close handling",
      "Monthly spending, category, budget-versus-actual, and savings-goal reporting",
      "Income, expense, account, budget, and savings-goal entry validation and draft saving",
      "Personal record search, filters, and history",
      "Progress review and next-action guidance",
      "Reminder consent, timing, and frequency",
      "Onboarding, empty states, and return-use guidance",
      "Export, deletion, and privacy controls",
      "Optional sharing and integration boundaries",
      "Personalization, accessibility, and safety settings"
    ],
    "nonGoals": [
      "Operating regulated financial, health, or employment services",
      "Sharing personal data without explicit user consent"
    ],
    "assumptions": [
      "Users manage their own profile and record data.",
      "Notifications and optional data connections require explicit consent."
    ],
    "risks": [
      "Incomplete personal records can weaken progress insights.",
      "Exposure of sensitive personal data can reduce trust and retention."
    ],
    "openQuestions": [
      "What first-week action makes the value clear to a new user?",
      "Which reminders and data connections must remain opt-in?"
    ],
    "constraints": [
      "Users must be able to export and delete their records.",
      "Sensitive data follows data minimization and explicit consent.",
      "Reminders, sharing, and external data connections require explicit consent."
    ]
  },
  "requirements": [
    {
      "id": "R1",
      "title": "Personal setup and start",
      "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
      "status": "todo",
      "priority": "high",
      "acceptance": [
        {
          "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
          "done": false
        }
      ],
      "features": [
        {
          "id": "F1",
          "title": "Income, expense, account, budget, and savings-goal entry",
          "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Income, expense, account, budget, and savings-goal entry core processing rule",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Income, expense, account, budget, and savings-goal entry status feedback and recovery",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        },
        {
          "id": "F2",
          "title": "Income, expense, account, budget, and savings-goal entry validation and draft saving",
          "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Income, expense, account, budget, and savings-goal entry validation and draft saving core processing rule",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Income, expense, account, budget, and savings-goal entry validation and draft saving status feedback and recovery",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        }
      ]
    },
    {
      "id": "R2",
      "title": "Daily records and history",
      "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
      "status": "todo",
      "priority": "high",
      "acceptance": [
        {
          "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
          "done": false
        }
      ],
      "features": [
        {
          "id": "F3",
          "title": "Transaction, category, monthly budget, cash-flow, and goal-progress lookup",
          "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Transaction, category, monthly budget, cash-flow, and goal-progress lookup core processing rule",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Transaction, category, monthly budget, cash-flow, and goal-progress lookup status feedback and recovery",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        },
        {
          "id": "F4",
          "title": "Personal record search, filters, and history",
          "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Personal record search, filters, and history core processing rule",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Personal record search, filters, and history status feedback and recovery",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        }
      ]
    },
    {
      "id": "R3",
      "title": "Progress review and next action",
      "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
      "status": "todo",
      "priority": "high",
      "acceptance": [
        {
          "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
          "done": false
        }
      ],
      "features": [
        {
          "id": "F5",
          "title": "Transaction categorization, recurring transaction, budget-alert, and monthly-close handling",
          "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Transaction categorization, recurring transaction, budget-alert, and monthly-close handling core processing rule",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Transaction categorization, recurring transaction, budget-alert, and monthly-close handling status feedback and recovery",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        },
        {
          "id": "F6",
          "title": "Progress review and next-action guidance",
          "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Progress review and next-action guidance core processing rule",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Progress review and next-action guidance status feedback and recovery",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        }
      ]
    },
    {
      "id": "R4",
      "title": "Reminders and return use",
      "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
      "status": "todo",
      "priority": "high",
      "acceptance": [
        {
          "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
          "done": false
        }
      ],
      "features": [
        {
          "id": "F7",
          "title": "Reminder consent, timing, and frequency",
          "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
          "status": "todo",
          "priority": "mid",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Reminder consent, timing, and frequency core processing rule",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Reminder consent, timing, and frequency status feedback and recovery",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        },
        {
          "id": "F8",
          "title": "Onboarding, empty states, and return-use guidance",
          "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
          "status": "todo",
          "priority": "mid",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Onboarding, empty states, and return-use guidance core processing rule",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Onboarding, empty states, and return-use guidance status feedback and recovery",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        }
      ]
    },
    {
      "id": "R5",
      "title": "Privacy and connected data",
      "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
      "status": "todo",
      "priority": "mid",
      "acceptance": [
        {
          "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
          "done": false
        }
      ],
      "features": [
        {
          "id": "F9",
          "title": "Export, deletion, and privacy controls",
          "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Export, deletion, and privacy controls core processing rule",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Export, deletion, and privacy controls status feedback and recovery",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        },
        {
          "id": "F10",
          "title": "Optional sharing and integration boundaries",
          "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Optional sharing and integration boundaries core processing rule",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Optional sharing and integration boundaries status feedback and recovery",
              "desc": "Connect transactions, categories, monthly budgets, recurring spending, savings goals, and personal-finance insights in one expense-tracking flow. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        }
      ]
    },
    {
      "id": "R6",
      "title": "Personal insights and extension",
      "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
      "status": "todo",
      "priority": "mid",
      "acceptance": [
        {
          "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
          "done": false
        }
      ],
      "features": [
        {
          "id": "F11",
          "title": "Monthly spending, category, budget-versus-actual, and savings-goal reporting",
          "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
          "status": "todo",
          "priority": "high",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Monthly spending, category, budget-versus-actual, and savings-goal reporting core processing rule",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Monthly spending, category, budget-versus-actual, and savings-goal reporting status feedback and recovery",
              "desc": "Personal income and spending live across card apps, bank apps, and notes, making spending patterns and budget overruns difficult to understand in one view. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        },
        {
          "id": "F12",
          "title": "Personalization, accessibility, and safety settings",
          "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
          "status": "todo",
          "priority": "mid",
          "acceptance": [
            {
              "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
              "done": false
            }
          ],
          "specs": [
            {
              "title": "Personalization, accessibility, and safety settings core processing rule",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            },
            {
              "title": "Personalization, accessibility, and safety settings status feedback and recovery",
              "desc": "Help people quickly understand monthly spending, reduce budget overruns, and make progress toward savings goals. People can understand the outcome and current state, then adjust their settings or next action.",
              "acceptance": [
                {
                  "text": "Users can update their settings and records and directly control reminders, sharing, and data use.",
                  "done": false
                }
              ]
            }
          ]
        }
      ]
    }
  ],
  "ia": {
    "sections": [
      {
        "id": "S1",
        "title": "Personal setup and start",
        "pages": [
          {
            "id": "P1",
            "title": "My home",
            "type": "top",
            "refs": [
              "F1",
              "F1:0",
              "F3",
              "F4:0",
              "F7:1",
              "F11"
            ],
            "children": []
          },
          {
            "id": "P2",
            "title": "Record list",
            "type": "page",
            "refs": [
              "F3",
              "F3:0",
              "F4",
              "F1:0",
              "F4:1",
              "F8",
              "F11:0"
            ],
            "children": []
          },
          {
            "id": "P3",
            "title": "Create record",
            "type": "page",
            "refs": [
              "F1",
              "F1:1",
              "F2",
              "F5",
              "F8:0",
              "F11:1"
            ],
            "children": []
          }
        ]
      },
      {
        "id": "S2",
        "title": "Daily records and history",
        "pages": [
          {
            "id": "P4",
            "title": "Record detail",
            "type": "page",
            "refs": [
              "F3:1",
              "F4:1",
              "F11",
              "F2",
              "F5:0",
              "F8:1",
              "F12"
            ],
            "children": []
          },
          {
            "id": "P5",
            "title": "Today's action",
            "type": "page",
            "refs": [
              "F5",
              "F5:0",
              "F6",
              "F2:0",
              "F5:1",
              "F9",
              "F12:0"
            ],
            "children": []
          }
        ]
      },
      {
        "id": "S3",
        "title": "Progress review and next action",
        "pages": [
          {
            "id": "P6",
            "title": "Weekly review",
            "type": "page",
            "refs": [
              "F7",
              "F7:0",
              "F8",
              "F2:1",
              "F6",
              "F9:0",
              "F12:1"
            ],
            "children": []
          },
          {
            "id": "P7",
            "title": "Reminders and personalization",
            "type": "page",
            "refs": [
              "F9",
              "F9:0",
              "F10",
              "F3",
              "F6:0",
              "F9:1"
            ],
            "children": []
          }
        ]
      },
      {
        "id": "S4",
        "title": "Personal insights and extension",
        "pages": [
          {
            "id": "P8",
            "title": "Onboarding and return use",
            "type": "page",
            "refs": [
              "F11",
              "F11:0",
              "F3:0",
              "F6:1",
              "F10"
            ],
            "children": []
          },
          {
            "id": "P9",
            "title": "Data and privacy",
            "type": "page",
            "refs": [
              "F10:1",
              "F12",
              "F3:1",
              "F7",
              "F10:0"
            ],
            "children": []
          },
          {
            "id": "P10",
            "title": "Sharing and integrations",
            "type": "page",
            "refs": [
              "F8:1",
              "F12:0",
              "F12:1",
              "F4",
              "F7:0",
              "F10:1"
            ],
            "children": []
          }
        ]
      }
    ]
  },
  "flow": {
    "start": "P1",
    "transitions": [
      {
        "from": "P1",
        "to": "P2",
        "ref": "F1"
      },
      {
        "from": "P2",
        "to": "P3",
        "ref": "F2"
      },
      {
        "from": "P3",
        "to": "P4",
        "ref": "F3"
      },
      {
        "from": "P4",
        "to": "P5",
        "ref": "F4"
      },
      {
        "from": "P5",
        "to": "P6",
        "ref": "F5"
      },
      {
        "from": "P5",
        "to": "P6",
        "ref": "F7"
      },
      {
        "from": "P6",
        "to": "P5",
        "ref": "F8"
      },
      {
        "from": "P5",
        "to": "P7",
        "ref": "F6"
      },
      {
        "from": "P7",
        "to": "P8",
        "ref": "F9"
      },
      {
        "from": "P8",
        "to": "P9",
        "ref": "F10"
      },
      {
        "from": "P9",
        "to": "P10",
        "ref": "F12"
      },
      {
        "from": "P10",
        "to": "P4",
        "ref": "F11"
      },
      {
        "from": "P4",
        "to": "P1",
        "label": "Refresh my progress"
      }
    ]
  }
}