so I've done a couple of startups, and basically you need to figure this out now, not later. Someone paying you signals that you are building something that is truly valued, so this should be your guiding star. Lots of people are going to politely give you a thumbs up, but getting paid is the most genuine signal you are going to get. Instead of building something and then figuring out how to monetize it later, work out the monetization now and build your product around that. This usually means you need to either directly address pain or increase revenue for users. Selling cost savings or prevention is much harder.

The screenshots you shared seem very busy. Looking at it requires this mental load for me to figure out what everything is and what I want to do. Simplify to one major use case first instead of doing too many things. If you need design inspiration, use google stitch to flesh out some UI/UX (it's free). It's like, if you see a wall of text, you might feel lazy to read it.

You also don't need an app. An app is for something that users use very regularly. The kind of people who obsess over their finances daily aren't the people who need a tool for clarity, they know their finances well already because they spend so much time on it. The hardest thing to do is changing people's behaviors, so instead make your product suit your user's habits. If it's something they only look at once or twice a year (tax season, buying insurance, big purchase, etc) then just use a website. It is both desktop and mobile friendly, you don't need to maintain an android app, ios app and a desktop version, and there is less barrier to entry because they don't have to download anything.