I ditched budgeting apps and just chat with an AI about my account balances once a month. Planning to build the app version of that.

I've tried every budgeting app. Even, the fancy ones with the nice charts, all of them. After some time I quit every single one for the same reason: I'm too lazy to log every transaction, it's too tedious for me and I don't actually care where every single dollar went. I only care about my net worth, like am I ahead or behind on my goals? and what should I do next. So for the past year I've done something dumb-simple instead. Once a month I open an AI chat, paste in my account balances (bank, stocks, crypto), and ask: am I on track for my goals, and what's the single best move right now? No categories, no receipts. And it's worked better than any app I've used. The problem is the chat has no memory. It forgets my goals, it can't project when I'll actually hit them, and it never keeps score on whether the move it gave me last month actually worked. Every session starts from zero. So I'm building the app version of my own workflow: Add your accounts, set a goal (house, $1M, a year of runway). You update your totals now and then, and it projects when you'll actually hit each one based on your real saving pace. Every check-in it tells you what changed, whether you're ahead or behind, and the one move that helps most. You can pull any group of accounts into a chat to strategize ("is my crypto too heavy?"). It remembers every decision and shows whether it actually grew your money. Everything stays on your phone. I already do the manual version in Claude though it's kinda disorganized, so my honest question: would you actually use a dedicated app for this? And if you'd use it, what would make it worth switching? Brutal feedback welcome.