The Situation
Young couples managing finances together are underserved. YNAB is complex and expensive. Simpler tools lack shared savings goals, multi-user roles, and couples-specific workflows. I validated the gap through JTBD research and competitive analysis — then built the solution myself as a freemium, bootstrapped SaaS.
What I Built
An income-centric budgeting system with Available-to-Assign tracking, budget health scoring, multi-user collaboration (Owner / Editor / Viewer), shared savings goals, transaction tracking, and analytics. Designed and shipped an AI-powered conversational query assistant so users can ask natural-language questions about transactions and spending trends against a live database — scoping LLM integration, prompt design, and safety guardrails for off-topic or inappropriate input. Also built a rule-based auto-categorization engine that adapts to individual transaction patterns over time. Stack: Next.js, TypeScript, PostgreSQL, Redis, Stripe.
PARADE Breakdown — expand each step
No purpose-built budgeting tool for couples — a gap between complex tools (YNAB) and simple tools lacking collaboration. Users also struggled to get answers from their own transaction data without digging through tables.
Couples rely on fragmented spreadsheets or mismatched apps — leading to poor shared financial decisions, missed savings goals, and high manual categorization effort.
Sole founder and product lead — vision, pricing strategy, GTM, design, engineering, and AI feature scoping. Every decision was mine.
Shipped multi-user collaboration and core budgeting first, then the AI conversational assistant (LLM integration, prompts, guardrails) and adaptive auto-categorization. Leveraged AI-assisted development to ship a production-grade full-stack SaaS.
Built a full production SaaS over a prototype to demonstrate real technical fluency. For the AI assistant, invested in safety guardrails upfront — conversational finance products fail trust the first time they mishandle off-topic or inappropriate queries.
Moniepot live in production with 15+ features, AI conversational querying against a live database, adaptive auto-categorization, and freemium pricing — a fully revenue-capable SaaS built solo.
Key PM Competencies Demonstrated
JTBD researchAI / LLM product designSafety & guardrail scopingPricing strategyFull-stack technical fluency