👤 1. User Personas

👨‍💼

Waheed — The Wealth Guardian

Primary Admin · 35–45 · Professionally employed, manages family assets independently

Goals
Never miss a deadline. Know the full financial picture at a glance. Spend 10 minutes/week, not hours.
Frustrations
Papers scattered everywhere. Forgot vehicle insurance renewal once. No idea what total rent collected YTD is.
Tech Comfort
High — uses smartphone daily, comfortable with apps, expects clean UX.
Key Use Cases
Add new property, track rental payments, upload insurance document, view net worth dashboard.
👩

Spouse — The Co-Manager

Secondary User · 30–42 · Manages household, needs emergency access to key documents

Goals
Access insurance card quickly. Know when vehicle service is due. View monthly household expenses without asking.
Frustrations
Can't find documents when husband is travelling. Doesn't know property contact numbers. Too many apps.
Tech Comfort
Medium — WhatsApp-level comfort. Needs simple, visual interface. No jargon.
Key Use Cases
View upcoming renewals, access insurance documents, check family expenses summary.
👴

Parents — The Beneficiaries

Viewer · 60–75 · Senior citizens, mostly concerned about health insurance and ID documents

Goals
Know their health insurance is active. Find hospitalization docs quickly when needed.
Frustrations
Dependent on children to know insurance status. Documents hard to find when at hospital.
Tech Comfort
Low — phone calls and WhatsApp only. System access optional; admin-assisted is preferred.
Key Use Cases
Admin views and shares their documents. Alerts go to admin who informs parents.

📖 2. User Stories

🏠 Property Management
US-PROP-01 · Priority: Must Have
As Waheed, I want to add a property with its address, purchase price, purchase date, type (residential/commercial/land), and GPS location, so that I have a complete asset record.
Acceptance Criteria
  • Form accepts name, address, type, purchase price, purchase date, coordinates
  • Address auto-geocodes to lat/lng on save
  • Property appears on map with marker immediately
US-PROP-02 · Priority: Must Have
As Waheed, I want to track annual property tax and water tax due dates and amounts, so that I never pay late penalties.
Acceptance Criteria
  • Each property has property tax and water tax fields with due date and amount
  • Alert sent 30 days before due date
  • Payment history recorded per year
US-PROP-03 · Priority: Must Have
As Waheed, I want to log maintenance, electricity, internet and other recurring expenses per property, so that I can calculate the true cost of ownership.
Acceptance Criteria
  • Expense categories: Maintenance, Electricity, Water, Internet, Other
  • Each expense has date, amount, and optional receipt upload
  • Monthly and annual totals per property displayed
US-PROP-04 · Priority: Must Have
As Waheed, I want to store the contact person (caretaker, agent, neighbour) for each property, so that I can reach them immediately in an emergency.
Acceptance Criteria
  • Contact person fields: name, phone, role (e.g. Caretaker, Agent, Tenant, Neighbour)
  • Clickable phone number (tel: link) on mobile
  • Multiple contacts per property supported
US-PROP-05 · Priority: Should Have
As Spouse, I want to see all properties on a map with their status, so that I can understand what we own and where without reading spreadsheets.
Acceptance Criteria
  • Interactive Leaflet map shows all properties as pins
  • Clicking pin shows property name, type, and key contact
  • Different pin colours for residential / commercial / land
🚗 Vehicle Management
US-VEH-01 · Priority: Must Have
As Waheed, I want to register each vehicle (two-wheeler or four-wheeler) with make, model, year, registration number, and purchase details, so that I have a complete vehicle registry.
Acceptance Criteria
  • Fields: type (2W/4W), make, model, year, registration no., chassis no., engine no., purchase price, purchase date, colour
  • Photo of vehicle uploadable
  • Appears in vehicle list with thumbnail
US-VEH-02 · Priority: Must Have
As Waheed, I want to track insurance details (policy number, insurer, premium, start and expiry date) for each vehicle, so that I never drive without valid insurance.
Acceptance Criteria
  • Insurance fields: insurer, policy no., premium, IDV, type (comprehensive/third-party), start date, expiry date
  • Alert sent at 60, 30, and 7 days before expiry
  • Document upload for policy PDF
US-VEH-03 · Priority: Must Have
As Waheed, I want to log vehicle service history and set the next service date, so that I maintain vehicles on schedule.
Acceptance Criteria
  • Service records: date, odometer reading, work done, cost, service centre
  • Next service date or odometer threshold configurable
  • Alert 7 days before next service date
US-VEH-04 · Priority: Must Have
As Waheed, I want to track vehicle registration renewal (RC renewal) and pollution certificate (PUC) expiry, so that I avoid fines.
Acceptance Criteria
  • RC renewal date tracked with alert at 30 days
  • PUC expiry date tracked with alert at 15 days
  • Both visible in vehicle detail view
🛡️ Personal Insurance
US-INS-01 · Priority: Must Have
As Waheed, I want to manage the family health insurance policy covering all members, so that I can track premium due dates, coverage limits, and claim history.
Acceptance Criteria
  • Policy fields: insurer, plan name, policy no., sum insured, premium, renewal date, covered members
  • Member-wise breakdown of coverage
  • Renewal alert at 60 and 30 days
US-INS-02 · Priority: Must Have
As Waheed, I want to track separate senior citizen health insurance for my father and mother, so that their medical needs are always covered.
Acceptance Criteria
  • Insurance tagged to specific family member (Father / Mother)
  • Separate renewal alerts for each senior policy
  • Pre-existing condition notes field
US-INS-03 · Priority: Should Have
As Waheed, I want to track term life insurance, so that I know coverage amount, nominee, and premium due dates.
Acceptance Criteria
  • Life insurance fields: insurer, sum assured, nominee name, premium, maturity date
  • Alert 30 days before premium due
📄 Document Management
US-DOC-01 · Priority: Must Have
As Waheed, I want to upload a document and have the system automatically extract the key fields (name, number, issue date, expiry date), so that I don't have to type everything manually.
Acceptance Criteria
  • AI extraction shown in editable form on upload
  • User can correct any field before saving
  • Confidence score shown for AI fields
US-DOC-02 · Priority: Must Have
As Waheed, I want to classify documents as expiry or non-expiry, so that alerts are only sent for relevant documents.
Acceptance Criteria
  • "Non-expiring" toggle on document form
  • Non-expiring documents excluded from alert evaluation
  • Listed under separate section in document list
US-DOC-03 · Priority: Must Have
As Spouse, I want to find any document in under 10 seconds by typing a name or document number, so that I'm not helpless when an emergency occurs.
Acceptance Criteria
  • Search bar on document list searches name, person, doc number, type
  • Results appear as-you-type (debounced)
  • Document opens in under 2 seconds
📸 Passport Photographs
US-PHO-01 · Priority: Must Have
As Waheed, I want to store passport-size photos for each family member organized by date (YYYY-MM-DD), so that I always have the most recent photo for applications without searching through mobile galleries.
Acceptance Criteria
  • Photo stored with member name and date taken (YYYY-MM-DD)
  • Latest photo shown prominently per member
  • Downloadable as high-quality image
  • History of all past photos accessible in timeline view
💸 Family Expenses & Income
US-FIN-01 · Priority: Must Have
As Waheed, I want to log family expenses by category (groceries, education, health, dining, utilities, etc.) so that I understand where money goes each month.
Acceptance Criteria
  • Expense entry: date, category, amount, description, optional receipt
  • Monthly expense summary by category as chart
  • Budget limits per category configurable
US-FIN-02 · Priority: Must Have
As Waheed, I want to track all income sources (salary, rental, freelance, dividends), so that I know the total monthly and annual income.
Acceptance Criteria
  • Income entry: source, date, amount, category
  • Monthly income total on dashboard
  • Income vs expense comparison chart
US-FIN-03 · Priority: Must Have
As Waheed, I want to record rental collection per property per month, including partial payments and arrears, so that I track every rupee owed.
Acceptance Criteria
  • Rent record: property, tenant, expected amount, received amount, payment date
  • Automatic arrear calculation (expected − received)
  • Overdue rent flagged in red on dashboard

🎨 3. UX Requirements

IDUX RequirementPriority
UX-01System must work on mobile browser (responsive) without needing the Android app installedMust
UX-02Critical actions (view insurance card, call property contact) must be reachable in ≤3 tapsMust
UX-03All forms must auto-save drafts — no data lost on accidental navigation awayShould
UX-04Dashboard home screen must load in under 2 seconds on a 4G connectionMust
UX-05Colour coding throughout: green = valid/paid, amber = due soon, red = overdue/expiredMust
UX-06Spouse (non-technical user) must be able to find any document without training — search is always visibleMust
UX-07All money amounts displayed in INR (₹) with proper formatting (e.g. ₹1,25,000)Must
UX-08Dates displayed in DD-MMM-YYYY format (e.g. 28-Apr-2026) for Indian usersMust
UX-09Upload progress shown during document uploads with estimated completion timeShould
UX-10Confirmation dialog before any delete action — with asset name in the messageMust
UX-11Empty states must include a helpful action button ("Add your first property")Should
UX-12Dark mode as default; light mode toggle availableShould