Personal Finance Tracking App Development

We want a finance tracking application with features Dashboard_Net worth summary_Total assets (cash + investments) minus liabilities (credit card outstanding) as one headline number. Auth & Onboarding_Sign up / Log in_Email + password, full validation. Server-side bcrypt hashing, per-device sessions. Auth & Onboarding_Profile capture at signup_Full name, DOB, income source, monthly income bracket, phone with country code selector. Auth & Onboarding_Email & phone OTP verification_Generate, expire, resend, attempt-limit flow — simulated pending a real SMS/email gateway. Dashboard_Monthly summary_Income, expenses, and net savings for the current month. Dashboard_Spending by category_Donut chart + breakdown list. Dashboard_Recent transactions_Quick-glance list of the latest activity. Transactions_Manual entry_Income/expense, amount, category, payment method (Cash/UPI/Debit/Credit), date, note. Transactions_Bank / UPI auto-sync_Auto-imports spends directly from bank accounts via Account Aggregator, with consent — simulated pending real AA integration. Transactions_Full transaction history_Searchable/scrollable list with delete. Credit Cards_Add/manage cards_Name + credit limit per card. Credit Cards_Credit card auto-sync_Detects existing cards via PAN-linked credit bureau consent pull (CIBIL/Experian), then syncs spends via Account Aggregator — simulated pending real integration. Credit Cards Utilization tracking_Ring showing used vs. available limit, updated live as credit transactions are logged. Budget Category budgets Monthly limit per spending category with progress bars. Savings & Investments Manual investment tracking SIP/MF, FD, Stocks, PPF/EPF, Gold, RD, Other — invested vs. current value, gain/loss. Savings & Investments Demat/broker auto-sync Broker selection + PAN-linked consent screen — simulated pending real AA or CAS-parsing integration. Profile View & edit profile All signup fields editable after the fact. Profile Verification status Email/phone verified badges with a re-verify option. Profile Reset account data Wipes transactions/cards/budgets/investments; keeps login. Requires typed confirmation. Profile Delete account Full deletion, including login. Requires typing the account email to confirm. Cross-device Data follows the account Logging in on a new device retrieves the same account data. Billing & Payments Subscription plans Free vs. Premium tiers — Premium unlocks auto-sync (bank, credit card, demat). Billing & Payments Payment gateway Google Play Billing on Android, Apple In-App Purchase on iOS — both required for app-based subscriptions on their respective stores. Billing & Payments Recurring billing & receipts UPI Autopay/e-mandate for auto-renewal; auto-generated invoice on each payment.