Centsless Decisions
Collaborative household budgeting for families who plan together.
Executive Summary
Centsless Decisions is a collaborative household budgeting platform focused on how families actually manage money together — sinking funds, shared goals, recurring expenses, and joint budgeting.
Business Challenge
Personal finance tools are built for individuals. Real household money decisions happen between two or more people who need shared visibility and shared responsibility.
Constraints
- —Trust and clarity between household members is the primary UX requirement
- —Data privacy and security must be defensible from day one
- —Solo founder — every feature has to earn its keep
My Role
Founder, product lead, and primary implementer. Vision, feature planning, UX, and AI-assisted development.
Leadership Decisions
Not users. Households. That single choice cascades through every screen.
The workflow families actually use, elevated instead of buried in categories.
Solution
A shared workspace for household finances with sinking funds, recurring expenses, goals, and collaborative planning.
Architecture
- —React + TypeScript web app
- —Supabase for auth, Postgres with RLS, and shared household data
Business Outcomes
- ✓Product foundation in place for private beta
- ✓Reusable AI-assisted delivery workflow proven across two products
Lessons Learned
- —Household software is a coordination problem, not a spreadsheet problem
- —The right primary object simplifies dozens of downstream decisions
What's Next
- →Private beta with early families
- →Mobile companion for on-the-go entries
- →Financial goal automations