I gotta say, I'm impressed! Nice job. Especially with pricing model. I would've shifted the multiple device/cloud backup to the Premium side to convert more users, but I think keeping that on the Free version is clutch and will bring more users into the Premium fold with time.
Because most app users will demand bank integration so they don't have to enter anything in manually.
There are a few providers out there that have unified APIs like Plaid, Yodlee, and my favorite, MX [1]. These providers become very expensive with growth, and the app creator would lose money very quickly if not for the cost that is alleviated by the user of the app.
It's the only way to compete with the larger apps like Mint without having a boatload of money to spend (like Intuit).
> Most users will delete your app shortly after installing it.
Which is why it is so crucial to focus on the core utility of the app. If the app is fun to use, great. But the apps that stick around provide services that are essential to the user.
If your friends are close to you, they shouldn't be annoyed that you're texting them. Wanting to spend time with your friends is a good thing, and if they're legitimately annoyed, make certain you're communicating that you value the time that you get to spend with them (this is especially key if your time is sparse.)
I'd personally send visitors to Porkbun [1] for registration.
[1] https://porkbun.com/checkout/search?q=hnewslink.com