This is a very good idea, I also plan to start spending everything just according to the list for a long time, but I still can’t force myself, maybe if there was such an application I would have become rich too)) There are a lot of developers, but you need to look for reliable ones so that your application is in demand , so I can advise you to read about https://djangostars.com/industries/fintech/personal-finance-applications-development/ maybe it will suit you. I hope your application will be released soon and I will be using it successfully.