Mumdget

Mumdget — budgeting for busy mums. Get a smart daily spend limit, track savings goals, get tips, explore investments & unlock AI coaching with PRO. Simple. No spreadsheets. Gentle nudges included.

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Inspiration

My wife is a mum of two toddlers. As all busy moms, she's juggling a lot of roles and responsibilities. Budgeting was always something that got pushed to "maybe later." Not because she didn't care, but because every existing tool felt like another job. Spreadsheets, bank-linking apps, complex dashboards - none of them were built for someone with 30 seconds of free time between nappy changes. This brief inspired me to build something that respects how little time mums actually have, while still helping them save real money.

What it does

Mumdget gives busy mums one simple number each morning: how much they can spend today and still hit their savings goal. No bank linking, no spreadsheets, just a quick daily check-in.

Key features include savings goal tracking (holidays, emergency funds, kids' activities), personalised saving tips and investment projections to help mums think long-term. Premium users unlock Mumwise AI - a personal savings coach that knows their budget, plus smart daily budget adjustments that recalculate tomorrow's spend when they go overbudget, and gentle morning/evening nudges to stay on track.

How we built it

Mumdget is built with Flutter for iOS (and Android). The AI coach is built using third party providers. Monetisation is handled through RevenueCat with a native paywall for the premium tier. The entire design philosophy was "simplicity with focus" - every screen answers one question, every feature earns its place.

Challenges we ran into

Making budgeting feel effortless, not overwhelming. The hardest design challenge was resisting the urge to add more. Every budgeting app wants to show charts, categories, transaction history. We deliberately stripped it down to one number per day. Dynamic budget recalculation. Getting the maths right for adjusting tomorrow's budget based on actual spending - without confusing users or creating misleading numbers - took several iterations. Premium gating without frustration. Finding the right balance between showing value in the free tier while making PRO feel genuinely worth it. We didn't want free users to feel locked out, or premium users to feel oversold. AI topic boundaries. Restricting the AI coach to finance-only advice while keeping it conversational and warm, not robotic or generic.

Accomplishments that we're proud of

The entire onboarding takes under 1 minute and the daily check-in takes 30 seconds. We proved that budgeting doesn't need to be complex to be effective. The app feels personal. Building a fully functional AI savings coach that understands each user's specific financial situation and goals. Going from idea to a live TestFlight build with a complete free + premium experience in a very short timeframe.

What we learned

Simplicity is harder than complexity. Deciding what NOT to build was the most important design decision. Every feature had to pass the test: "Would a mum with two toddlers actually use this daily?" Empathy drives product. Building for someone I know personally - my wife - meant every feature was grounded in a real need, not an assumption. One clear number beats ten detailed charts. Users don't need more data. They need one actionable insight they can act on in seconds.

What's next for Mumdget

Product market fit. And then some ideas already on the table include: Weekly and monthly spending summaries Agentic in-app updates post AI coach chats Community features

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