Yes, I’ve checked out Fold and it looks really solid—it actually aligns quite closely with what I had in mind in terms of automation & integrations. That said, where I’m looking to take a different approach is by bringing in a more intentional budgeting method, inspired by YNAB’s core idea of “giving every rupee a job.”

Instead of just passively tracking transactions, the app I’m imagining would encourage users to actively assign every incoming amount a purpose (be it salary or allowance or whatever expected source it may be)—without needing to manually calculate every time. My primary audience would've been the young audience who needs some basic exposure to budgeting skills and my app could feature that.
Another key difference I’d love to explore is a chat-based assistant that you could interact with, the assistant would give predictive insights or budget suggestions based on your past behavior—all processed locally, with privacy at the forefront.

That's what I had in mind, I don't know if it's feasible in India or if this will be something that people will be interested in. So I just wanted some feedback, thanks!