How To Build A Personal Finance App Like Mint In 2025

In this tech-dominated century or simply this tech-centered period, what would serve as the easiest and fastest way to connect with your target audience? The broad and fast answer is Personal Finance App Development. A mobile application provides a competitive advantage, whether your field of work is education, finance, healthcare, or others. Thus, we have personal finance apps such as Mint available everywhere on the market!

While users view financial tracking apps as offering great value and including a demand aspect in the market, building a money management app is a worthwhile investment for your company. If you are looking to develop a custom mobile app development company similar to Mint, we have collected helpful information to assist you in personal finance app development. In this blog, we will discuss how to build a personal finance app like mint. We will also discuss various elements regarding this blog as well. 

What is a Personal Finance App Like Mint?

Mint is a personal finance app that helps users to manage their finances. It has 14 million users. Initially, it was an investment tracker that had several sections, and now it is developing into an AI-enabled financial advice platform on the web and mobile platforms.

There are so many finance-tracking apps like Mint available, such as Wally, Acorns, YNAB, etc., but Mint is the best case in point if you want to see how to create a budget app and be the point of departure for a successful acquisition target.

Why Build a Personal Finance App in 2025?

As per the report of Grand View Research, the global finance software market size was estimated at $1.08 billion in 2022 and is projected to reach $1.60 billion by 2030 with a growing CAGR of 5.1% from 2023 to 2030. 

Key Market Trends & Insights 

• Asia Pacific is expected to be the fastest-growing region over the forecast period. 

• Based on type, the desktop-based software dominated the market in 2022 accounting for a share of more than 53.0% of the overall revenue. 

• North America dominated the global market in 2022 accounting for a share of more than 28.0% of the overall revenue. 

• Based on end-user, the individuals segment dominated the market in 2022 accounting for a share of more than 57.0% of the overall revenue. 

• Based on tools, the budget planner segment accounted for the second-largest share of more than 28.0% of the overall revenue in 2022. 

Key Features to Include in a Personal Finance App

The cutting-edge finance manager app assists users in keeping tabs on their earnings and outlays to Build a Personal Finance App. In addition, it ought to support financial literacy, efficient wealth and personal capital management, and budget optimization in Mint App Development. Therefore, an app should have rich functionality if you want to create one that is similar to Mint and meets the needs of the current market.

Creating Account

This feature goes without saying that the users have to register and enter their personal data and financial details for their finance tracking in Finance App Features. Authorization and security are something to pay special attention to in services as well. 

Financial data is extremely sensitive data; consider two-factor authentication, face recognition, voice recognition, fingerprinting, unique code generation, or some other measure to protect your users' data.

Account Access

The user account access should be secure since it deals with personal and financial data. However, you need to connect your user account in the app with cards and bank accounts; that’s why a guarded passcode is a must. 

The login/logout procedure should be taken every time a user interacts with the application. It’s smart to allow short-term sessions (sessions with a limited lifetime); it will minimize the chances for the app to run unprotected.

Data Security

As we've said and not once, the first issue for money management tool creation is data security. You must not only design a solution and offer secure authorization but also keep the data secure at each step through the data channel for Fintech App Development. At least, think about the encryption and data storage transmitted under the standard SSL protocol.

Bill Reminding

Introduce the functionality of bill tracking; it will allow your users to keep and monitor all their bills in one place. But it’s even more preferable to implement the feature of notification as to what and when a user should pay so that no payment is missed.

The Data Synchronization

Budgeting software must be capable of syncing all the user accounts and credit cards, as well as debit cards, by Money Management App Development. Therefore, an individual will be presented with a full summary of all the transactions, bills, fees, activities, loans, investments, and whatever other aspects are needed for effective budgeting. 

Investment Recommendations 

Alongside tracking investments, keep your audience current on the market standards for the Finance Tracking App. Provide analysis that is based on AI and ask them about the best option as far as the allocation of their assets, such as brokerage accounts, mutual funds, IRA or real estate investments, etc.

Step-by-Step Process to Build a Personal Finance App Like Mint

You must approach the long and complex process of development with complete seriousness and responsibility in Budgeting App Development if you want to create the best money management solution and beat your rivals. Gathering requirements is the first step towards a fully functional solution.

Requirement Analysis 

The stage is also known as the discovery stage. It can also include various elements like competitor research, user research, business research, and tech industries by Expense Tracking App Development. Our experts look for as much information as they can about the market, target consumers, rivals and their goods, trends, dangers, and opportunities. 

Development Stage 

The process of development begins as soon as every detail is decided upon. The best UI/UX design should be used for the Mobile App Development for Finance. Making a product that is both useful and easy to use is essential if you want your audience to find the solution appealing. Frontend/backend coding is implemented based on the specifics and type of application.

Software Testing

Software testing is one of the most crucial steps in the development process. There is something that should run smoothly and error-free. The testing should be placed manually as automated on different levels. The complete details, KPIs, and requirements at the initialization of the project. At this stage, you need to ensure that you provide complete product quality to your clients and app users. 

Launch Process 

Before you release and promote it, no one will be aware that you have the greatest budget management app. We assist our clients in conducting releases, buying accounts for app publication, and publishing apps on the App Store and Google Play.

Maintenance & Support 

Once the app is developed and released, IMG Global Infotech usually feels the responsibility of continuing to maintain its infrastructure in Personal Finance Software Development. That's why we will troubleshoot bugs reported by the client and troubleshoot the problems that may inevitably arise. 

Contractually, the boundaries of the maintenance and support will often establish this landscape. In this article, we are going to highlight some typical problems with the industry and some helpful thoughts to guide you a bit in developing the finance app that will help people manage their money better.

Technology Stack for Finance App Development

Choosing the right tech stack is very crucial to developing an app like Mint for your business. These tech stack processes can build a successful or a fail app that's why we said earlier that selecting a tech stack is a critical decision. Here is the breakdown of the tech stack that can help you to build a personal finance app like Mint as well. 

How Much Does It Cost to Build a Personal Finance App Like Mint?

The cost to develop and build a personal finance app like Mint majorly includes various elements like the set of features, app complexity, custom UI/UX, and development team expertise. location, and hourly rates. Let's take a closer look at the average cost to develop an app like Mint. 

Future Trends in Personal Finance App Development (2025 & Beyond)

Personal financial applications are transforming into AI-driven, hyper-personalized advice with real-time insights, interwoven into platforms and channels to guide money decisions before the fact in Custom budgeting app development services. 

Rule shifts like PSD3/PSR and open finance will make safe access to data common practice, amplifying trust and explainability as well as user control over financial data sharing.

Hyper-Personalized AI Mentor

Artificial intelligence copilots will translate transaction streams as context-aware suggestions, forecasting cash flow, detecting fees, and suggesting timely activity; explainable models and looped backfeed will adjust suggestions while keeping user trust and transparency intact amidst shifting compliance expectations.

Open Financial Ecosystems

In addition to banking accounts, combined APIs will also align investments, pensions, insurance, and BNPL so there is holistic planning, richer categorization, and cross-product optimization that transforms static dashboards into dynamic, outcomes-based journeys.

Proactive Budgeting Automation

Budgets will reconcile automatically through predictive analytics, merchant enrichment, and recurring identification so that monthly cash flow takes place without spreadsheet-like friction or hands-on micromanaging, triggering just-in-time spending prevention alarms.

Spoken and Vocal UX

Natural language chat and voice will also become primary control surfaces, allowing users to request trends, establish rules, and conduct transfers, as multimodal summaries make everyday financial activities faster and more accessible.

Trustable Security Design System 

Security-by-design and trust Strong authentication, hardened devices, and ongoing monitoring will be the baseline, with permission granularity and data portability set to open frameworks, keeping the risk low as the data moves across more third parties. 

PSD3/PSR-Driven Compliance 

New EU standards will secure authentication and third‑party access, making providers enforce auditability and model governance in practice, prompting faster, safer innovation and borderless reliability around finance experiences.

How IMG Global Infotech Can Help Build a Finance App Like Mint

IMG Global Infotech develops Mint-type finance applications for secure account aggregation, AI-based categorization, and predictive cash flow, all designed for customer-grade performance and compliance, combining seamless user experience, real-time insights, and infinitely scalable cloud architecture. End-to-end delivery includes discovery, design, engineering, quality assurance, and growth analytics after the new feature launch.

Hire fintech app developers that provide bank-grade security, consent-driven data sharing, and PCI/PSD2-aware flows, as well as native and cross-platform apps that take advantage of resilient APIs and observability. Example feature accelerators will include budgeting automation, merchant enrichment, bill detection, anomalous behavior alerts, and engagement and retention pushes built with goals.

Wrapping Up 

Through this blog, we have explored how to build a personal finance app like Mint for your business. We have also talked about several critical factors regarding this blog, such as investment tactics, key features, development process, technology stack, average cost, and future trends of personal finance like mint. Now you have an idea of how to build an app like Mint for your business. 

As a relibale Finance App Development Company we are always available here to provide you complete assistance to build an expenditure management app like Mint as per your business requirements and needs as well.