Whisper MoneyWWhisper Money
May 15

Adaptive Budget Suggestion for Enhanced Savings Goals

Introduce an adaptive budgeting feature that dynamically customizes users’ budgets based on their financial goals, such as increasing monthly savings or saving for specific expensive purchases. This feature will consider users’ salary, current budgets, and savings history to provide actionable, personalized suggestions. For example, if a user typically saves $1,000 per month and decides to save $1,200 instead (they would need to set it up in the app), the app will recalculate their budgets automatically. Users would receive a preview of the adjustments needed to meet their new savings goal, such as reducing discretionary spending categories like dining out or entertainment. They could interactively fine-tune these suggested changes using intuitive tools such as sliders or “+/-” buttons. This empowers users to determine the most practical way to increase their savings. The feature could also include a “Big Purchases” section. Here, users could list expensive items they’d like to buy, such as furniture or electronics, and the app would calculate and adjust budgets over time to account for these goals. Users would get a clear understanding of how much they need to save each month to meet their desired timeframe for the purchase. By proactively providing suggestions and visibility into budget adjustments, this feature helps users plan more effectively, making it easier to achieve both short-term and long-term financial goals.
PendingPending
May 17, 2026

It’s a great feature request. The core idea—moving from passive "expense tracking" to active, goal-driven wealth building—perfectly aligns with the ethos of a modern personal finance tool like Whisper Money. Before doing something like this, I think we need the user to properly categorize all the expenses at least for the last 3-⁠4 months so we can properly estimate things like the average income, savings, and investments. With this info properly in place, then it's easier to set objective like save more, invest more, or saving for a big purchase. **How do you imagine this should work? What would the step list for activating/configuring a goal look like?**

May 19, 2026

Víctor Falcón Something like this, but it is only frontend demo generated by LLM, i spent only one hour creating it... you would need to reshape it according to the backend and your ideas/knowledge. I posted three steps, i needed to rescale the window so it would took whole page. It's only ultra DEMO preview, for example the step 3 i would totally redo... Also the preview is missing what i really wanted to see in whisper money: - expense prioritization (critical bills + debt + due dates first, then everything else) - affordability prediction (“can I afford this?” + “when can I afford this?”) goal feasibility scoring (achievable / hard / unrealistic) - scenario simulation (compare different financial decisions side by side) - subscription impact analysis (how much they affect overall budget) - automatic analysis of income, expenses, subscriptions, and savings history (3–6 months) maybe more. EDIT: Also the "Planning" tab on the left would be locked with when clicked information note (you need to have at least 3 month of data using "Whisper Money" or you can actualy set the average monthly saving or salary by your own to skip this 3 months wait step) I don't know we would need to reconsider this all. What's best practice and best solution from all of the solutions avaiable.