Hey everybody,

Yigit here! I am developing a personal finance app mainly based on what features I wish an app to have and it is on google play closed test now. Here is a quick summary:
The app's main value proposition is being able to keep track of your expenses 'automatically'. The rationale behind is the fact that in my country banking laws restrict individual's access to open banking apis. That is, you cannot have an API access to your bank to exchange information and keep track of your expenses unless you are corporate. According to my research, this feature is available in US and EU but only with certain restrictions in the latter.

I thought it could be sutaible time to ask the community about their needs about such an app and can guide me a long way before I commit further. Would you be so kind enough to answer below questions? Any replies are appreciated and thanks in advance.

1. Do you use personal finance app?

2. Could you please share your the most essential must-have features of the personal finance app of your choise and tell me why?

3. Under which circumstances would you give another app a try?

4. What would be the ideal price point for such a service in your perspective?

After months of growth in @ViralSort , MRR now looks stable and has started slightly declining.

Have you faced this stage before?

What did you do to restart growth?

Same app, same prices, same paywall design on both platforms.

Over the last month:

- iOS: 20% of people who saw the paywall tapped a plan

I spent two days on a button. One button. Placement, label, color, hover state, loading state, error state, disabled state.

Two days for something that takes most people twenty minutes.

I spent a week last year doing a refactor that shipped no features. No bug fixes. No visible change.

It was painful. Every day I felt behind. Every day I looked at it and thought this is a week I will never get back.

Someone asked for a feature. I said maybe. Told them I'd think about it. Kept them waiting for six weeks.

They left. Not because I said no. Because I never said anything.

Someone told me my product was confusing. I explained why they were wrong. Patiently. In detail.

They left.

I had a week where I couldn't work full days. Personal stuff. Maybe four hours a day at most.

I shipped more that week than I had in the previous month.

Our monthly api bills are getting pretty heavy and it's making us hesitate before testing new ai features.

We're thinking about hosting llama or mistral ourselves to cap costs, but we're worried the response quality won't match paid models and server setup will waste time.

If you host your own open-source models in production is the output quality good enough for real users?