SaveWiser

A personal savings & budgeting app that helps you spend on purpose, save automatically, and actually reach your goals.

What is SaveWiser?

SaveWiser is a mobile app for students and young people who want to take control of their money without a finance degree. You set a savings goal, log what you spend, and the app splits your money using the well-known 50/30/20 rule - 50% for needs, 30% for wants, 20% for savings - then tells you at a glance whether you're on track.

To make saving a habit rather than an afterthought, SaveWiser can auto-lock a slice of your income (inspired by Singapore's CPF system) and optionally require a guardian's approval before that locked money can be touched - a gentle guardrail that's especially useful for students managing an allowance.

All of your financial data stays on your device. Nothing is uploaded to a server.

Features

• 📊 50/30/20 budgeting - every expense is sorted into Needs, Wants, or Savings, with a live "On Track / Off Track" indicator on the home screen.
• 🎯 Savings goals - set a target amount, a deadline, and a purpose ("Tuition fees", "New laptop"), and watch your progress.
• 🔒 Auto-locked savings (CPF-style) - automatically set aside a chosen percentage of income so it's saved before you can spend it.
• 🛡️ Guardian Control - let a parent or guardian approve withdrawals from locked savings with a passcode.
• 🧾 Daily spending tracker - quickly log transactions and see your recent spending at a glance.
• 🚨 Overspending alerts - get warned when you go over budget, with adjusted limits for the rest of the week.
• 📅 Daily plannings - a calendar view to plan spending and stay intentional day to day.
• 📈 Future statistics & projections - see where your savings are heading, with optional AI-generated advice on how to hit your goal faster.
• 🔔 Daily reminders - a local notification at a time you choose, to keep the habit alive.
• ❓ Built-in FAQ & help - plain-language answers to how budgeting, locking, and goals work.

How it works

Concept	What it means
50/30/20 rule	Your money is split into Needs (essentials like food & rent), Wants (extras like eating out), and Savings.
Auto-lock	A percentage of your income is locked away automatically, so saving happens first.
Guardian Control	Spending from locked savings needs a guardian's passcode - a pause-and-reflect step before dipping in.
Goal	The amount you want to save by a chosen date. SaveWiser tracks your pace against it.

💡 Amounts in the app are shown in Indonesian Rupiah (IDR).

Tech stack

• Flutter & Dart - cross-platform UI (Android is the primary target).
• Hive - fast, local, on-device storage for transactions.
• shared_preferences - profile and settings.
• fl_chart & pie_chart - charts and the allocation donut.
• flutter_local_notifications - daily reminders.
• OpenRouter (optional) - powers the AI savings-advice feature.

Getting started

Prerequisites

• The Flutter SDK (with the Dart SDK it bundles).
• For Android builds: Android Studio with the Android SDK, platform-tools, and an emulator or a physical device.

Verify your setup with:

flutter doctor

Run it locally

# 1. Clone the repository
git clone https://github.com/WilsonAnthonyT/SaveWiserApp.git

# 2. Move into the Flutter project (where pubspec.yaml lives)
cd SaveWiserApp/savewiser

# 3. Fetch dependencies
flutter pub get

# 4. Launch on a connected device or emulator
flutter run

Build a release

# Android APK
flutter build apk --release

# Android App Bundle (for the Play Store)
flutter build appbundle --release

The build output lands in savewiser/build/app/outputs/.

Optional: enabling AI savings advice

The "Future Statistics" screen can generate short, personalized savings tips using OpenRouter. This is optional - the rest of the app works without it.

The API key is never stored in the source code. Provide your own key at build/run time with --dart-define:

flutter run --dart-define=OPENROUTER_API_KEY=your_key_here

Get a free key at openrouter.ai/keys. Without a key, the AI advice request simply won't return suggestions; everything else is unaffected.

Project structure

savewiser/
├── lib/
│   ├── main.dart                 # App entry point & initialization
│   ├── main_nav.dart             # Bottom navigation shell
│   ├── setup_page.dart           # First-run onboarding (profile, goal, preferences)
│   ├── models/                   # Data models (e.g. Transaction, with Hive adapters)
│   ├── pages/                    # App screens (home, savings, plannings, settings, ...)
│   ├── services/                 # Notifications, image picking, API calls
│   └── utils/                    # Helpers (balance recalculation, input formatters)
├── assets/                       # App logo and images
└── pubspec.yaml                  # Dependencies & project config

Contributing

Contributions are welcome! Please read CONTRIBUTING.md to get started, and note our Code of Conduct.

Security

Found a vulnerability or an exposed secret? Please see SECURITY.md for how to report it responsibly.

License

Distributed under the MIT License. See LICENSE for details.

Contact & support

Questions or feedback? Reach the team at savewiserhelps@gmail.com.

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SaveWiser is a personal budgeting tool, not a licensed financial advisor. It's here to help you build good habits - the decisions are always yours.