MyDhan

MyDhan is an AI-powered personal finance and wealth management platform built for the Indian market, positioned as "India's first AI powered money management app" and promising "the smart, simple, secure way to grow your money." Its premise is that expert financial guidance has always been reserved for people who can afford it. As the product puts it, everyone seeks expert advice when choosing a college or buying property, so why not for financial wellness and planning.

The product answers that by bringing a financial advisor into an app. It aggregates a user's entire financial life, income and expenses, credit cards, loans and EMIs, insurance, investments, tax, assets and liabilities, into one place, applies AI analysis to produce personalized real-time recommendations, and pairs that automation with access to human Personal Advisors who plan and execute investments on the user's behalf. The stated goal is to identify a user's financial health against six defined levels, then analyse, plan, and grow their wealth, taking them from solvency to abundance without spreadsheets or jargon.

Everyday consumers who want to build wealth face compounding problems. Their financial life is scattered across institutions, so income, expenses, credit cards, loans, insurance policies, investments, property, and tax all sit in separate places and nobody has a single view of their own position. Quality financial advice has traditionally been reserved for the wealthy, so ordinary users receive product pitches rather than planning. Understanding your own position means spreadsheets and jargon that most people will never engage with, so decisions get made without information. And there is no structured path: people know they should grow their money but have no sense of where they currently stand or how to measure progress. Estate and family planning, meanwhile, gets neglected entirely until it is too late.

The design challenge mirrored the product challenge. Roughly nineteen modules covering aggregation, analysis, recommendations, human advisory, estate planning, payments, documents, and support is closer to a suite than an app, and all of it had to stay navigable for a non-expert user and be delivered consistently across two platforms. The product also had to be honest about where automated analysis ended and a human advisor took over, because real money would move on the strength of that distinction.

A single AI-powered app that aggregates a user's whole financial life, analyses it, recommends actions, and connects them to a human advisor when they want one.

The structure rests on a few decisions. A central Home and Hub organize a very large surface area into something a person can actually navigate. A profiling Survey and a financial-health model place the user on one of six defined levels, turning the abstract question of "how am I doing" into a concrete starting point and a measurable path. From there the app aggregates finances across modules and applies AI analysis to return personalized recommendations rather than raw dashboards, because the product's value is guidance, not numbers. Calculators, including a dedicated affordability calculator, support specific decisions in the moment.

Architecture is the design work when the product is this big. With roughly nineteen modules, the individual screens mattered less than whether the whole thing held together. Establishing a consolidated wireframe and a flow per module before any visual design was what kept the product coherent, and it taught me that at a certain scale the most valuable thing a designer produces is a structure other people can build inside without breaking it.

Aggregation is not insight. It would have been easy to treat "all your finances in one place" as the finished product, but pulling data together and showing it back is only the setup. The audience was defined by avoiding exactly that kind of interpretation work. Committing to a stated financial-health level and a recommended next action, rather than a dashboard, was the difference between a product that reports and a product that advises.