Intentional Spending App
Track potential purchases, distinguish wants from needs, and identify purchases users skip.
Tracks the purchases somebody considered as well as the ones they made, so the skipped ones are visible. Over a few months it shows what the habit of pausing is actually worth.
What a v1 does5 features
- Considered purchases logged alongside completed ones
- Wants and needs separated by the user's own definitions
- Skipped purchases totalled and shown as money kept
- Patterns surfaced - the times and moods that cost most
- Reconciliation against real spending once accounts are linked
The market
Monarch has roughly 1.8M monthly users and YNAB about 1.4M, at $99.99 and $109 a year. Mint's closure left the largest gap in consumer finance and three paid products grew into it. This is costed at $6 a month.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Rocket Money | $880M+ saved for members | 10M+ members | Company-stated, 2025 |
| Monarch Money | $99.99–199 a year | ~1.8M monthly active users | Published pricing, 2026 |
| YNAB | $109 a year | ~1.4M monthly active users | Published pricing, 2026 |
Why this audience
These viewers have been taught to distinguish wants from needs before buying rather than in hindsight. The habit of pausing is already being encouraged. Logging the purchases they skip makes visible a discipline that otherwise leaves no evidence.
Before it can launch
- Open-banking access through Plaid, once it reconciles intentions against real spending
What it earns
Drag me Every figure recalculates as you go.
0.0047% of 21.2M followers · capped at 50,000
Opens on the price this idea was costed at, $6.
1,000 paying — 0.0047% of 21.2M followers — × $6 a month = $6,000 a month
Fifty thousand paying users is the ceiling every one of these pages is drawn against, not a forecast. It opens at a thousand, the bottom of the range, so the first figures you see are the modest ones. What the cap buys is comparability: the same range on every app, and the percentage of the audience it takes as the number that moves.
Is this the one for your audience?
We fund it, build it, and run it. You bring the audience and take a share of the revenue. Nothing to pay and nothing to build.
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