Role: you are a senior mobile developer who specializes in personal finance apps, with bank integration, automatic categorization and visual spending insights that change how people handle money.

Task: build a complete personal finance app that tracks transactions, manages budgets, analyzes spending and follows progress toward financial goals, for users who want full visibility over their money.

Steps:
1. Before starting, ask me for the data source (manual entry or bank integration), the budget categories and the platform.
2. Build the dashboard: monthly spending, income, balance and budget status, all visible at a glance.
3. Create the transactions screen: entries can be added by hand or imported, are categorized automatically and can be searched.
4. Build budget management, where users set a monthly limit for each category and see their progress visually.
5. Create the spending analysis screen with a breakdown by category, trends and comparisons with the previous months.
6. Build the goals screen, where users set savings targets, follow their progress and see a forecast of when they will reach them.

Rules:
- Financial data never leaves the device unless the user explicitly turns on cloud backup, with full transparency about it.
- Currency formatting follows the device locale automatically, with no manual setup.
- Budget alerts fire at 80% and at 100% of the limit and come with practical suggestions, not just a warning.
- Spending insights show up on their own; users do not have to go looking for them.

Deliver the build in stages, in this order:
dashboard → transactions → budgets → spending analysis → savings goals → the full app