Where most founders start
Mint linked bank accounts, sorted transactions into categories and tracked budgets, until Intuit shut it down in 2024 and pointed users to Credit Karma. That opened room for budgeting apps built around a specific group. We built the Plaid data layer behind a personal finance platform for Muslim women.
What your v1 needs first
Real bank data from day one
Plaid account linking and transaction sync, so the app works off what people actually spend rather than numbers they have to type in by hand every single week.
Categories that fit your users
Generic categories miss what matters to a specific group. We tune category rules to your users and your method, such as halal-aligned budgeting, not a template.
Data that feeds the product
The same data layer feeds your assessments, programs and insights, so the guidance each member gets is based on their real spending, not on a generic template.
Trust and security first
People are handing you access to their bank accounts. We keep access tokens on the server, encrypt sensitive data and request only the data your product actually needs.
How it works
- 01
Scope the v1 (week 1)
On free calls we map where money and data move and fix scope and price before you pay. Week 1: data model, access rules and audit trail.
- 02
Build it (weeks 2-5)
Bank linking, transaction sync, budgets and insights, with working software every week. The engineer building it is the one on your calls.
- 03
Launch and support (week 6 on)
We ship to production, hand over the code, docs and credentials, and stay on for 6 weeks of support as your first users link accounts.
Starting at $12,000
A budgeting app v1 is an MVP Sprint: fixed scope and fixed price, agreed before the build. Sprints start at $12,000. More on what it takes: FinTech app development.
Talk about your app We came to Zeroic for one fixed-scope build and never left. 
built the AI into WordUp and kept finding more worth shipping - we doubled our retainer hours inside the first month. He tells us what's worth building before he builds it.
Work we've shipped
How we can help
Four ways to work with us - pick what fits, switch when it doesn’t.
Audits
Find what's broken - or whether AI is worth it - before you build.
Learn moreMVP Sprint
Zero to production in 5-6 weeks. A real product, not a prototype.
Learn moreRetainer
A senior engineer embedded on your team, month to month.
Learn moreCode Rescue
Vibe-coded app breaking under real users? We rebuild it to hold.
Learn moreFAQ
Frequently asked questions
How much does it cost to build an app like Mint?
A focused v1 is an MVP Sprint, live in 5-6 weeks. Sprints start at $12,000, and we fix the final price with you upfront, based on bank linking, account types and how much analysis you show. Adding bank data to an app you already run? A single integration starts at $1,000.
Do we need Plaid?
For US bank data, Plaid is a common choice and the one we have built on. Other regions use other aggregators, so we check coverage for your market first.
What happened to Mint?
Intuit shut Mint down in 2024 and pointed its users to Credit Karma. That opened room for new budgeting apps built around a specific group of users.
Do we own the code?
Yes, 100%. You own the code, infrastructure, docs and credentials.
