Pocket Heatmap
A consumer personal-finance app that turns your bank and card transactions into a beautiful, GitHub-style 365-day spending heatmap, so you can finally see at a glance when and where your money disappears.
Millennials and Gen Z who want to understand their spending without opening a spreadsheet
- 365-day spending heatmap with hover-for-day-detail, color-coded by category
- Recurring-charge detector that flags duplicate subscriptions, price hikes, and unused trials each month
- 'Insights' panel that writes a short paragraph in plain English: 'You spent 23% more on food delivery on weekends in July'
- Plaid and bank-link import, plus CSV upload for people who don't want to link accounts
A trending open-source template proves the heatmap-and-live-ticker UI is now cheap to build, so a consumer app can finally ship this design without a $2M design budget.
Mint shutdown March 2024 created churn vacuum; Monarch and Rocket Money are thriving, and 37% of Gen Z / 46% of Millennials already aggregate accounts into one app.Monarch Money Review: The Real Deal for App-Switchers (2025 Edition) ↗Understanding Gen Z Finances: MX Stats and Research ↗
PFM market is crowded (Monarch, Rocket Money, YNAB, Copilot, Moneykit) but no consumer app leads with a GitHub-style spending heatmap; the shadcn-fintech template is only a dashboard starter, not a product.shadcn-fintech-template - GitHub ↗7 Best Budgeting Apps with Data Visualization in 2026 ↗
Proven $8-15/mo PFM subscription pricing (Monarch $14.99/mo or $99.99/yr) shows real willingness to pay; heatmap is a differentiator not a category-killer so freemium is the realistic model.Monarch Pricing ↗How Much Does Monarch Money Cost? ↗
PFM demand is durable but consumer PFM is fragile (Mint died), and visualization novelty erodes quickly; without AI categorization or planning features, retention risk is real.Monarch Money Review - Best App to Manage Your Finances? ↗Gen Z and millennials alike: what banks must know ↗
Open-source shadcn template already provides the heatmap/ticker UI; Plaid handles aggregation; MVP is buildable in weeks with a small team.abderrahimghazali/shadcn-fintech - GitHub ↗