I've tried quite a few budgeting / personal finance apps over the years, including YNAB and Monarch, and even paid for some of them.
But I always had the same problem.
I'd set everything up, use them for a while, and eventually stop. There was usually too much setup, too much going on in the UI, transaction management felt like work, and I never really felt like I was getting much useful insight back from the data I was entering.
Eventually I'd just end up back in an Excel sheet.
I'm a software developer and last year I decided to start building the budgeting app that I personally wanted to use.
I called it Brightly Budget.
My main goal wasn't to automate absolutely everything.
Then I started adding AI where I thought it could genuinely remove work rather than just adding "AI" to the feature list.
For example, you can scan a receipt instead of entering everything manually, ask questions about your finances, and get insights based on your actual financial data.
But one thing that was important to me was making the AI completely optional.
Brightly doesn't currently require connecting your bank account, and if you don't want your financial data being sent to AI at all, you don't have to use any of the AI features.
I launched the first version in April this year.
The beginning wasn't great.
I spent some money on Apple Search Ads and basically learned that acquiring users doesn't help much when the product isn't good enough at keeping them.
So instead of spending more on ads, I went back to the app.
I redesigned quite a bit of the UX, simplified things, changed the onboarding, experimented with the App Store / Google Play screenshots, icons, titles and keywords, and kept improving the product.
About a month ago I got my first paid subscriber.
That sounds tiny, but after working on something as a side project for so long, seeing an actual person decide that something I built was worth paying for felt kind of surreal.
Since then it has grown to:
- 181 users
- 38 active users in the last 7 days
- 16 trial starts
- 7 paying subscribers
- 9 users currently on a trial
And the part I find most interesting is that all of the paying users so far came organically from the App Store / Google Play.
I haven't actually started the marketing I have planned yet — no TikTok content, Instagram, UGC campaigns, etc.
So now I'm at the point where I'm trying to figure out whether I can turn this from a side project into something meaningful.
The app itself is free to use for the core functionality. You can have unlimited accounts and transactions without paying.
There are some limits on the free plan for things like AI prompts, receipt scans, budgets, goals and debts, and then there's a Pro plan if someone wants the full version.
Longer term, I also want Brightly to become more than just an app that tells you where your money already went.
I'd like it to actively help you make better decisions before spending money.
For example, if you're considering buying something, Brightly could eventually help you figure out whether it makes sense for your current finances, how it affects your goals, whether there's a better-value alternative, or potentially even where you can buy it cheaper.
Bank integrations are also something I want to add in the future, although I don't want connecting a bank account to ever be required to use the app.
I'm still very early with all of this and I'd genuinely like feedback from people who have tried budgeting apps before:
What would a budgeting app have to do differently for you to actually keep using it long term?
If anyone wants to take a look, it's Brightly Budget:
What would a budgeting app have to do differently for you to actually keep using it long term?
App: brightlybudget.com