SoftSave — saving from your good days
A Bulgarian personal finance app: log spending by voice, spot your cheaper days and get a nudge to set part of the difference aside for a goal.
The problem
Most people don't keep a budget because logging every expense is tedious, and the available apps are in English or ask for access to your bank account. Bulgaria's switch to the euro in 2026 made everyday numbers even more confusing. The goal was a product that captures spending with almost no effort, works in euro only, complies with GDPR and stays fully within what is allowed without a financial licence — no moving money, no bank account access and no investment advice.
The solution
Spending comes in several ways: by voice ("кафе 1.50", "заплата 1500") — directly through the microphone on Android; automatically from bank notifications and Apple Pay; from a CSV bank statement; and from a photo of a receipt read by AI (only if the user turns it on). Every day is compared with the user's typical day. On a cheaper day the app suggests setting part of the difference aside for a goal. On top of that: goals with pace and deadline, category limits, a weekly report, tips about subscriptions and price increases, and a "What if…?" simulator. Lock-screen notifications deliberately show no amounts. Under the hood: a Django and Django Ninja backend on PostgreSQL with a strict layered architecture, money stored as integer cents and idempotent requests. The mobile app is built with React Native and Expo for Android and iOS, with types generated from the API.
The result
The app runs in production with automatic deployment after green checks: 690 automated backend tests (≈99.8% coverage) and 294 in the mobile app. A security review led to a protected admin panel, rate limiting, lockout after failed logins, an upload size limit, and GDPR export and deletion of all user data. The Android version is in closed testing.
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