Making Goal Based Savings Easier - Pluto Money Redesign

Akash Deep Walia

Making Goal-Based Savings Easier - Pluto Money Redesign

Pluto’s original app was designed for a Gen Z audience - bold colors, playful visuals, and fragmented savings flows.
But as the product matured, our audience shifted to knowledge workers seeking clarity, trust, and efficiency. The UX now felt dated, overwhelming, and difficult to navigate for making real-money decisions.
Key pain points:
Disjointed navigation across savings, transactions, and insights
Overloaded bottom nav with unclear priorities
Inconsistent UI patterns and weak information hierarchy
Visual language no longer matched the new audience's mindset
Company
Pluto Money
Timeline
2 weeks
Role
Product Designer

The Challenges 🎯

Pluto’s original app was designed for a Gen Z audience — bold colors, playful visuals, and fragmented savings flows.
But as the product matured, our audience shifted to knowledge workers seeking clarity, trust, and efficiency. The UX now felt dated, overwhelming, and difficult to navigate for making real-money decisions.
Key pain points:
Disjointed navigation across savings, transactions, and insights
Overloaded bottom nav with unclear priorities
Inconsistent UI patterns and weak information hierarchy
Visual language no longer matched the new audience's mindset

Navigation & Flow Restructuring

Rebuilt bottom nav structure with Alerts tab, transaction hub, and improved Discover page
Unified asset-based and goal-based savings into a single flow
Reduced taps and decision fatigue in key tasks

Visual Language & Design System

Introduced a fresh, modern aesthetic inspired by Airbnb and fintech trends
Built a flexible design system using Auto Layout 5.0, Variables, and Tokens
Created reusable components to support future features

Prototyping & Interaction Design

Used advanced Figma prototyping for smooth transitions and real interactions
Explored micro-interactions and gesture-first UX
Created a near-dev-ready prototype to align dev and product teams

Iteration & Stakeholder Feedback

Ran async design reviews with founders and early users
Tweaked visual weight, IA clarity, and onboarding UX
Added custom 3D icons and illustrations for brand alignment

Key UX Improvements & Features ⭐

Redesigned navigation with Alerts, Discover, and a unified savings entry point
Simplified goal setup flow, now takes 60% fewer taps
Transaction history restructured for clarity and faster lookup
Better money visibility: users can now see asset allocation clearly
Created an Alerts tab for nudges, goal updates, and contextual actions
Introduced a modern design system to scale fast

Impact & Outcome ⭐

User Task Efficiency: Internal testing showed a 35% reduction in time-to-first-action (e.g., checking balances)
Developer Handoff: Design system adoption cut dev integration time by 25% in the first sprint
Next Steps: Rolling out A/B tests on Alerts engagement and tracking retention lift in Q3 2025
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Posted Aug 21, 2025

Pluto’s original app was designed for a Gen Z audience, but as the product matured, our audience shifted to knowledge workers seeking clarity and trust.

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Timeline

Jun 15, 2025 - Jul 20, 2025

Clients

Pluto Money

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