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Survey

Participant Notice: This survey is designed specifically for working and earning professionals to help us better understand personal financial management. Please answer each question honestly; every response is highly valuable to our research.

How do you usually check if you can afford a non-essential purchase (like a ₹2,500 jacket or dinner out)? *

I look at my bank app balance and make a quick guess.

I calculate upcoming rent and bills in my head.

I check my budgeting app to see if I have budget left.

I just buy it and figure out the rest of the month later.

Other:

When you look at your main bank account balance mid-month, how does that number feel? *

Very misleading — it doesn't account for upcoming rent, bills, or credit card dues.

Somewhat helpful — but I still have to keep track of upcoming bills in my head.

Completely accurate — I have almost no fixed expenses before my next salary.

Other:

Imagine you have ₹65,000 in your bank account today, but you have ₹27,000 in bills due before your next salary. You also want to save for a trip. You see a pair of headphones for ₹12,000. Which alert from an app would help you make the smartest choice?

You have enough cash today, but buying this leaves you with only ₹11,000 for daily expenses until payday and delays your trip savings by 3 weeks

Warning: Spending ₹12,000 right now is HIGH RISK for your budget

Your bank balance after this purchase will be ₹53,000

Other:

If an app gives you a warning about a purchase you want to make, what format do you prefer?

Show me the exact trade-offs (e.g., impact on my savings goals and cash runway) and let me decide.

Give me a clear status rating (e.g., SAFE, TIGHT, or RISKY).

Just show me the raw numbers and don't give any advice.

Other:

What is your biggest frustration with existing budget or expense tracking apps?

They only show past spending instead of helping me decide on future purchases.

Manual entry takes too much effort and I stop using them after a week.

Linking bank accounts or sharing SMS data feels unsafe for my privacy.

I don't currently use any budget app

Other:

How do you feel about privacy when managing your money on a smartphone app?

I prefer 100% offline/local apps where my financial data never leaves my phone.

I am okay with cloud backups as long as the app is secure

I don't worry about data privacy for finance apps

Other:

Think of a recent purchase (over ₹1,500) that made your mid-month budget tighter than expected. What unexpected expense caught you off guard? *

How do you currently keep track of your fixed monthly bills (rent, subscriptions, electricity)? *

I rely on memory or bank SMS reminders.

I set calendar alerts or phone reminders.

I use payment app auto-debits / mandates

I don't track them formally

Other:

What is your current age group?

18-22

23–27

28–32

33+

What best describes your current employment status?

Student / Intern

Working Professional (Salaried)

Freelancer / Self-Employed

Other:

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