THE PRODUCT
Eight features.
One behaviour
change engine.
Built for India.
01 — GOAL ENGINE
You set one financial goal.
Save ₹2,00,000 in 12 months.
Every other feature aligns to it.
WHAT IT DOES
Reverse-engineers your monthly target. Identifies your biggest spending leak. Shows progress in real rupees, not optimistic projections. Lives on your home screen, always.
‘Most users hit goal pace at 110% by month 3.’
02 — MOOD PULSE
Two minutes every morning.
How are you feeling.
What's your one intention today.
WHY IT MATTERS
This isn't wellness. It's data. Your morning mood determines the cart overlay you see at 11 PM. Your morning intention is quoted in every lock breach. The check-in is the most powerful retention mechanic in the app.
‘On check-in days, your regret rate drops 38%.’
03 — CART INTERCEPTION
Amazon. Flipkart. Myntra. Meesho. Swiggy. Nykaa.
You add to cart.
Three seconds later, we show up.
THE MOMENT
Your mood. Your intention. The carbon impact. Your pattern history. Three choices: Pause 48 hours. Breathe 60 seconds. Proceed consciously. This is the highest-leverage 20 seconds in financial behaviour change.
‘42% of items paused are never bought.’
04 — SPENDING LOCKS
You set a category limit.
You exceed it.
We show you a wall.
THE WALL
Your mood, your intention, your last three purchases in this category, the carbon footprint, the score impact. Select a reason. Wait 5 seconds. Confirm twice. 20 to 35 seconds of friction. The friction is the feature.
‘55% of Hard Lock breach walls end with the user going back.’
05 — PATTERN DETECTION
Your specific patterns.
Named back to you.
With your own data.
WHAT YOU'LL SEE
You spend 2.8x more on Stressed days. Your Tired-Boredom-Shopping pattern is 80% confirmed. Your Late-Night Buyer Window is 10:30 PM to 1:00 AM. Eight named patterns. Detected after 14 days. Surfaced in your weekly story.
‘70% of users have at least one confirmed pattern by Day 30.’
06 — SAVINGS IMPACT
One number.
Real rupees.
Updated monthly.
THE MATH
Items paused and skipped. Lock breaches walked away from. Category overspend reduced. Total redirected this month. Not a projection. Not an estimate. Calculated conservatively. Shown clearly. Compared to ₹149 every renewal cycle.
‘Average monthly impact: ₹3,840. Average return on ₹149: 25.8x.’
07 — WEEKLY STORY
Every Monday at 8 AM.
Six cards.
Your week, explained.
THE NARRATIVE
Card 1: Week in review. Card 2: Your pattern. Card 3: Your money moment. Card 4: Your planet moment. Card 5: Your mind signal. Card 6: One action for the coming week. Cards adapt to your week. No two stories are the same.
‘Weekly story readers retain at 65% — vs 35% for non-readers.’
08 — CARBON ENGINE
Every spend has a carbon cost.
We show it.
In Indian terms.
THE COMPARISONS
Your Amazon order: ~6.2kg CO₂ — similar to driving Chennai to Pondicherry. Your Myntra haul: ~4.5kg — similar to Delhi-Chandigarh flight. Your D-Mart trip: ~0.2kg — barely a footprint. Conscious spend ratio tracked weekly.
‘68% of FinMindEarth users improve their conscious spend ratio in the first month.’
PRIVACY
Your data lives on your phone.
Not on our servers.
Not in our analytics.
HOW IT WORKS
Every transaction. Every mood. Every emotion tag. Every goal. Stored locally on your device using SQLite with SQLCipher encryption. We never see your raw data. We never sell it. We never train on it.
What syncs to the cloud: aggregated scores. Pattern labels. Subscription status. That's it.