Zenvelopes Designing a budgeting app for people who hate budgeting.

A high-fidelity mockup showing screens from Zenvelopes on an iPhone 14 device.


Zenvelopes helps users plan, track, and reflect on their budget so they can grow a healthy relationship with money over time.

My role encompassed an end-to-end conception and design process including prototyping, UI design to native platform constraints, interaction design, and branding.

Try a Figma prototype

Define the problem

We live at a time of change: more individuals shift to freelance work each year, and even full-time employees are finding ways to monetize their passions. The freedom of this can feel amazing, but it comes at the cost of complicating our monthly budget. Gone are the days of the simple household ledger showing a fixed salary and a number of regular bills! Increasingly we need to manage multiple income streams, big changes month to month, optional expenses and more. What tools exist to help meet this new challenge, and who is most affected?

Key target users

The app's target audience includes makers, nomads, side-hustlers, social media creators, and freelancers. Anyone with unpredictable or sometimes negative income, such as a student. They may experience financial anxiety, may describe themselves as “not a math person”, and struggle with tradional budgeting methods.

chart describing the needs and pain points of target users
User research summary

Key competitors

I explored Rocket Money, Mint, and the Spending Buckets feature offered by Ally Bank.

I found that while they offer powerful features like dynamic data visualization, automatic expense tracking, alerts, and insights, they suffer from steep learning curves and too many features.

Furthermore, they do not address financial anxiety or offer a path to a healthier and more thoughtful relationship with money.

chart showing the strengths and weaknesses of competitors
Competitive analysis

Develop a solution

Enter kakeibo

The app's unique approach draws inspiration from the traditional Japanese budgeting system called "Kakeibo." Users can categorize expenses into four categories: needs, wants, culture, and the unexpected. This minimalist and growth-minded approach empowers users to make mindful decisions about spending. The app aims to alleviate financial anxiety and help users build healthier relationships with money.

A landscape photo showing Japanese architecture with Mount Fuji in the background.

User flow

I stuctured the app along three major flows. The Plan flow guides the user through inputting their projected income and expenses, adding an optional savings goal, and scheduling a day to track and reflect. Any flow is accessible at any time from the homepage. Reminders to track and reflect are set by the user themselves.

Flowchart showing the app structure.

Paper prototype

The objective for the paper prototype was to validate the big picture of the "Plan" flow. I sketched this out using one of my favorite tools, a Sharpie marker. It's so thick that I have to focus on essential elements. This keeps my process focused.

A series of sketches for app screens.

Native patterns iOS vs Android

I used native features and interactions as much as possible. I made a deep study of Human Interface Design and Material Design guidelines respectively, then worked side-by-side on every screen starting at the mid-fidelity level to create iOS and Android native versions of Zenvelopes. I wanted seamless integration with good security, a smooth native user experience, and an easy time for developers already familiar with native elements.

An annotated visual comparison of iOS and Android screens showing native patterns.

Sound and haptics interaction design

I took advantage of native gestures, sound cues, and subtle haptics to ground interactions in the real world and reinforce the native feel of the app. Where appropriate, I implemented a soothing “paper" aural theme consistent with the ink-on-parchment look of the UI.

Annotated mockups showing gestures, haptic and auditory feedback.

Test and revise

I built two high-fi prototypes with animated interactions to perform user testing with iOS and Android users. I wanted to assess how easily they can plan a budget, how confident they feel throughout the flow, and to what extent they find the interactions to be natural and familiar.

Revisions included an improved navigation pannel allowing users to access an Overview of the process at any time. Users appreciated seeing explanatory tooltip modals throughout the flow, so I kept those. Feedback I did not implement included a suggestion to add more colors and images.

A before and after image showing changes made after the testing phase.


In keeping with a Zen theme, the overall visual direction for Zenvelopes is minimalist and emphasizes typographic hierarchy. It's effectively monochromatic. Textures of handmade paper, parchment or sand are applied to some screens; this reinforces a feeling of mindfulness and calm.

The logo is a minimal set of two ink strokes creating an “equal” sign. They signify balance and reference calligraphy. They also suggest the letter “Z”.

The Zenvelopes logo and its components: ink brushmark, equal sign, and the letter Z.

High-fidelity mockups




Android high-fidelity mockups


iOS high-fidelity mockups


Android high-fidelity mockups

Next steps


The immediate next steps include developing the 'Track' and 'Reflect' flows as well as implementing a secure user registration and login flow. Additional testing would follow. I'd like to integrate an onboarding process to introduce users to the Kakeibo system and how to get the most of the app's features. Finally I would plan a strategic MVP launch to gather valuable user feedback for further refinements.

Potential business model

The app's business model could involve a freemium approach, offering basic features for free while charging for advanced features such as custom reporting or expert financial advice. Additionally, partnerships with financial institutions for integrated services could provide revenue streams.

Key learnings

1. Native app design

To ensure an intuitive user experience, I had to strike a balance between creativity and adhering to platform conventions. I came away with deep knowledge of iOS and Android design guidelines. I also learned how constraints can boost creativity and drive innovation.

2. Cultural insights

The Kakeibo-inspired mindfulness integration met with a positive response from users during testing. This showed me that cross-cultural insights can offer unique solutions that work.

3. Time constraints

This project did not allow time or budget for initial user research and competitive analysis. Adapting to this was a valuable experience because it showed me that I can gather considerable insight in a few short hours, by leveraging my network and relevant research done by others.

Thanks for reading!