Lunera Personal Finance Dashboard Case Study

Designing a local-first financial decision workspace that turns fragmented financial data into prioritized, evidence-backed next steps.

Product thesis

Lunera is a local-first personal finance concept for a focused weekly money review: identify what needs attention, inspect the supporting evidence, and test a plan before acting. The dashboard is the entry point, organizing cash position, a priority review, and a safe next action without turning a planning view into automated money movement.

Lunera dashboard with financial brief, cash position, priority insight, and next review — Financial Brief — Brings cash position, priority, evidence, and the next review into one first-read surface. Synthetic demo data; planning-only prototype with no bank connection.

Start with an honest baseline.

The five-step setup captures only the context needed for a first planning brief: identity, a user-entered baseline, optional priorities, wealth context, and a final local review.

01 / 05

01 / Profile — Sets regional and display context before a financial brief exists.

Lunera onboarding financial baseline step with user-entered income, expenses, and cash — 02 / Financial baseline — Captures user-entered income, essential expenses, and cash without a bank connection.

Lunera onboarding priorities step with optional goals and spending priorities — 03 / Priorities — Declares optional goals and spending priorities for review, not automation.

Lunera onboarding wealth context step with portfolio and planning preference — 04 / Wealth context — Adds optional portfolio context and a planning preference.

Lunera onboarding review step confirming the local planning record — 05 / Review — Confirms the local planning record before creating the first financial baseline.

Decision loop

The decision loop is deliberately sequential: begin with the Financial Brief, inspect a ranked signal, diagnose the pressure driver, verify its ledger evidence, then review a budget or goal plan. Each module narrows the next question instead of asking the user to act on a single recommendation.

Explainable AI

The AI workspace presents signals as items to inspect: each has a priority, evidence summary, confidence, and a bounded next step. It helps the user review a recommendation instead of treating it as an instruction.

Lunera AI Insights workspace with ranked signals, confidence, evidence, and next safe step — AI Insights — Frames each recommendation as a review object with priority, evidence, confidence, and a bounded next step.

Safe scenarios

Cashflow identifies the main pressure driver before a plan is changed. Scenario and payment sandboxes then let a user test a category adjustment or upcoming payment as planning views, without writing to balances or transactions.

01 / 03

Lunera cashflow page showing monthly movement and a ranked spending diagnosis — Cashflow diagnosis — Identifies Housing as the pressure driver before a planning change is considered.

Lunera scenario sandbox showing a planning-only housing adjustment — Scenario sandbox — Lets a proposed housing adjustment be reviewed without changing financial records.

Lunera payment sandbox planning an upcoming payment against a local balance snapshot — Payment Sandbox — Plans an upcoming payment against a local balance snapshot without moving money.

Evidence trail

Transactions provide the traceable record behind a signal, while Budgets translates that evidence into a month-level plan. Each module has a different job: verify the source, then review the plan.

Lunera transaction ledger with searchable local evidence and review state — Transaction ledger — Keeps the underlying evidence searchable and reviewable before it informs a plan.

Lunera budget planning workspace with current spend, headroom, and priority categories — Budget planning — Translates current evidence into a reviewable monthly target, rather than an automatic action.

Goal planning

Savings and investments remain planning workspaces, not execution surfaces. The screens expose progress, allocation, and review state so a user can judge the trade-off before committing to a plan.

Lunera investment allocation workspace with portfolio value and review queue — Investments — Keeps allocation declared and reviewable, not executable, within the prototype.

Reflection

The prototype establishes an information model for a planning-only finance workspace: surface the priority, show the evidence, preview a choice, and retain the review context. It demonstrates the interaction and trust model; it does not claim adoption or financial outcomes.