Financial Peace App
Increased users on track to pay off their debt by 30%.
The peak of the app flow showing recommendations and tracking progress, and animations within the app.
Designed a debt payoff experience that helps users understand their financial trajectory and take action to pay off debt faster.
Impact
+30% increase in users on track to pay off debt
Role
Led research and end-to-end design
Screens from onboarding, debts, getting a custom plan, and seeing recommendations.
Problem
Users couldn’t see how their monthly budgeting translated into long-term debt payoff. The experience lacked forward visibility, leading to drop-off after onboarding and low progress toward financial goals.
Insight
80% of users had debt, but fewer than 20% were on track to pay it off within 24 months. After onboarding, users had no system to measure progress or stay engaged over time.
Solution
Shifted the experience from static budgeting to forward-looking planning.
Enabled users to:
– See their current payoff trajectory
– Understand how behavior changes impact their timeline
– Track progress with time-based feedback
Introduced debt tracking, pace visualization, and personalized recommendations to make long-term outcomes clear, actionable, and motivating.
Goal
Increase the percentage of users on track to pay off debt within 24 months while aligning with existing financial principles.
Results
+30% increase in users on track to pay off debt
Some of the interactive animations within the app.
Deeper Dive ↴
Research & Validation
Conducted user interviews to understand disengagement after onboarding and identify what would sustain motivation throughout the debt payoff journey.
Design Decisions
Prioritized showing users their current trajectory before introducing recommendations to reinforce the value of behavior change.
Framed progress in time (payoff speed) rather than totals to make outcomes more tangible and decision-oriented.
Constraints
Solutions needed to align with the product’s established financial philosophy and behavioral principles.
Hindsight
Users needed clearer context before acting on recommendations. Showing their current trajectory earlier would have strengthened understanding and adoption.
Recommendations were not automatically reflected in budgets, creating friction. A tighter connection between planning and budgeting would improve clarity, though it required additional development investment. A short-term solution would be clearer guidance when applying recommendations.
The various components in the app experience.