GoalTogether

Inspiration

We wanted to bring a trust-based model online, making saving social, goal-driven, and accessible — especially for young earners and Tier-2/Tier-3 users.

What it does

Our app allows users to create or join “Savings Circles” — small, trusted groups where members save towards a common or personal goal (like a phone, emergency fund, or trip). Key features:

🔍 Search and join public or private savings circles.

🎯 Set collective or individual savings goals.

📅 Track group progress in real-time.

(Upcoming) 🔔 Reminder and streak system for accountability.

(Upcoming) 🔄 Auto-debit via UPI Autopay for seamless, recurring saving.

How we built it

Built using Bolt

Challenges we ran into

Implementing secure and reliable UPI AutoPay is non-trivial due to regulatory restrictions and limited access to live UPI debit APIs.

Managing state sync across multiple users in a live circle session.

Accomplishments that we're proud of

Created a full-stack MVP with end-to-end working flow of creating/joining circles and adding saving goals.

Designed a clean, mobile-friendly interface that feels intuitive even for first-time users.

Encouraged a savings-first mindset through social accountability, a proven behavioral finance strategy.

What we learned

Behavioral nudges and group psychology can meaningfully improve saving habits.

Building financial apps requires a strong focus on trust, transparency, and simplicity.

UPI integration (especially AutoPay) involves banking partnerships and careful compliance work — something we'll pursue post-hackathon.

What's next for GoalTogether

✅ Integrate UPI Autopay via Razorpay or Setu to enable real-time recurring savings. 🔐 Add ledger/history view and simple withdrawal workflow. 📈 Introduce group streaks, badges, and goal-sharing features.