Show HN: Peek – an AI "Spotify wrapped" for your money
8 sherryyjiang48 7 5/5/2025, 2:02:53 PM apps.apple.com ↗
hey hn –
mint is gone, the clones feel like bloatware, and afaict every “personal finance” app still assumes you love staring at pie charts for fun. i don’t.
so i built peek.
- ai-first: an ai agent does the number-crunching and pings you with bite-sized nudges instead of guilt-trips
- habit loop > dashboard: get weekly “wrapped”-style digests that actually push you towards forming new positive habits, not just remind you you spent too much on coffee
- mobile-only rn (ios) bc that’s where gen z actually lives
link: https://apps.apple.com/us/app/peek-ai-personal-finance-app/i...
would love honest feedback – performance, ux, skeptical takes, whatever. tear it apart. i’ll be here in the thread.
But spend management is a very heavily contested "wedge". I'm curious to see if it can be a little more goal-driven.
Like nudging people towards investing better, or helping people navigate different credit card loyalty programs to maximise cashback, miles and other rewards etc.
For instance, donotpay/Ramp justifies it's value because people can actually see it saving money for them regularly so it's sticky.
- ppl often see just a lot of numbers and don't know what to do next about them - just knowing what is going on doesn't always translate well to the habits
what lands for me:
- timing & tone. the app pings right around my daily spend spike, but the copy is chill, no guilt trips. tiny behavior nudges > big budget sermons.
- wrapped-style recap. one weekly snapshot scratches the “am i normal?” itch without burying me in csv exports.
- speed. built with expo + react-native; ui feels buttery on ios, good sign they sweated performance early.
stuff that’ll make or break them:
- trust layer. plaid tokenization is table-stakes, but users will still side-eye a brand-new ai app asking for full ledger access. transparent threat-model write-up would help. they do say that none of the data is stored or meant to be public.
- monetization path. it’s free today; the moment paywalls pop, retention will hinge on how much real automation they ship vs just insights.
- privacy optics. venmo learned the hard way that public money feeds get creepy fast. peek leans private now; hope they keep it that way.
overall: if you hate manual budgeting but like fintech dopamine, peek’s worth a spin. while it is slowly replacing the google sheets budget i still back up every month, it already lives on my homescreen - more than i can say for most gen-z finance toys. curious to see if they grow into a self-driving wallet or plateau at “spotify wrapped for money.”