Back
Chase Spending Planner

Chase Spending Planner

Help customers track their spending over time

I led the design enhancement of Spending Summary, refining existing tools and introducing intuitive new features to empower customers in taking more control of their finances.

2023 Fintech Breakthrough Award

- Best Finance Product

My role

UX Designer, Design Strategy

Timeline

March 2022 - ongoing

Team

2 UX Designers, 1 Content Writer, 1 Researcher, 3 PMs

Platform

Native app (iOS, Android), web

The Problem

A disjointed experience

Spending Planner is a Chase tool that helps customers track spending, manage budgets, and make informed financial decisions—available for Chase checking and credit card customers.

However, it originally existed as two disjointed tools—Spending Summary and Budget. The experience lacked cohesion and actionable insights. When it was launched in 2022, it struggled to deliver value.

Other pain points uncovered through feedback and research: Users couldn’t compare income vs spending at a glance; Inability to re-categorize or exclude transactions; Budget creation was complex and overwhelming; Limited features and spending insights.

Spending summary in 2022
Budget tool in 2022

Project Goal

User and business objectives

The goal of Spending Planner was to empower Chase customers with greater visibility into their finances—helping them understand if they’re spending within their means, track budgets, manage transactions, and make more informed financial decisions.

From a business standpoint, the initiative aimed to boost engagement, improve customer satisfaction, and strengthen Chase’s position as a trusted partner in personal financial management.

A phased approach

2023: Establish a strong foundation

Income & Spending visibility, re-categorization, exclude transactions

2024: Expand features

Merchant insights, budget light

2025: Drive revenue and deepening opportunities

Monetization, deepening, AI-generated insights

What have I done so far?

2023 Key Deliveries

Establish a strong foundation

We are integrating income into Spending Planner, providing users with a simplified view to easily see if they are spending within their means.

Additionally, we are providing users the ability to exclude and re-categorize transactions from their spend totals, giving them more control over what they want to track.

New data visualization
Re-categorize & exclude transactions

2024 Key Deliveries

Expand features

We are providing a view of the merchants they spend the most at and transact the most with. Customers will be able to easily see how much and how often they spend at their top merchants.

In addition, we're now combining Budget with Spending Summary to create a more seamless experience. Customers can skip the lengthy enrollment process to set up budgets, and we're aligning categories across both tools, allowing customers to create budgets for any category they choose.

Merchants spending insights
Budget lite

2025 Initiatives

Monetization, deepening, and AI-generated insights

We’re experimenting with personalized monetization tiles that surface relevant offers, such as Chase Freedom Unlimited, Chase Sapphire credit cards, merchant offers, and savings account promotions based on user behavior. These contextual placements are designed to help customers spend more wisely and maximize savings, while also driving additional revenue opportunities for the business.

In parallel, I’m contributing to the design of a new AI-powered feature that transforms raw spending data into meaningful, actionable insights using LLMs. This initiative aims to help users better understand their spending patterns and receive tailored recommendations to improve financial habits over time.

Monetization & deepening
AI-generated insights

Success Metrics

Huge increase in business metrics

Monthly users

3.2M

CSAT

52%

Retention

27%

Spending Planner drove strong user and business impact, with significant gains in MAU, budget engagement, satisfaction, and retention. It also won the 2023 Fintech Breakthrough Award for Best Finance Product. In 2025, I continue to monitor performance and partner with stakeholders to further enhance the experience.

Want to learn more about this project? DM to request a case study.

© 2025 Kevin Zhang · Made with blood, sweat & tears️
Linkedin
Resume
Back to top
Back
Chase Spending Planner
© 2025 Kevin Zhang · Made with blood, sweat & tears️
Linkedin
Resume
Back to top