Mirae
Overview
Mirae helps young adults visualise the long-term impact of today's financial decisions through AI-generated life scenario simulations. Built in 83 hours at FigBuild 2026, Mirae makes abstract financial futures tangible — replacing anxiety with clarity.
Problem Discovery
The Problem
Young adults understand they should save and invest — but struggle to connect present-day habits to future outcomes. Financial planning tools are built for experts, not for people who are just starting out and need to see the stakes clearly.
Distant horizons
Retirement feels so far away that saving for it lacks urgency. The impact of small daily decisions is invisible until it's too late.
Tool complexity
Existing financial tools overwhelm with jargon, charts, and options that assume prior financial literacy.
Emotional barriers
Talking about money creates anxiety. Most people avoid financial planning not from ignorance, but from fear of what they'll find.
Features
What Mirae Does
Life Scenario Simulator
Input a few financial habits and Mirae generates vivid "life snapshots" at ages 35, 50, and 65 — showing the compounding effect of small decisions.
Decision Moments
When users face a financial choice — a purchase, a job offer, a subscription — Mirae models both paths side-by-side in plain language.
Future Self Letters
AI-generated letters from your 60-year-old self, personalised to your current habits — a tool for emotional connection to abstract goals.
Milestone Map
A visual roadmap of achievable financial milestones tailored to the user's income, goals, and timeline — no spreadsheets required.
Behind the Idea
Research
Research was conducted across the first day of the hackathon: a rapid literature review on financial anxiety in Gen Z, a competitive audit of 5 fintech apps, and 4 guerrilla interviews with participants aged 21–28. The dominant theme: people want to feel hopeful about their finances, not lectured.
"Every finance app I've tried makes me feel stupid or scared. I just close it."
— Guerrilla Interview, Participant 1Ideation
Exploring Solutions
The team explored three creative directions: a game-like simulation, a conversational AI advisor, and a visual scenario builder. The final concept merged the narrative warmth of the conversational approach with the concrete visuals of the simulator.
Low-Fidelity
Wireframes
Wireframes focused on the onboarding flow and the core scenario simulator. The goal was to validate the mental model — would users understand that inputting habits today could generate a personalised future snapshot?
Testing
Usability Testing
3 hallway tests were conducted during the final evening of FigBuild. Participants were shown the mid-fi prototype and asked to complete the onboarding and generate their first life scenario.
Finding 01
"Future Self Letters" was the most emotionally impactful feature — 2 of 3 participants described it as "unexpectedly moving."
Finding 02
Onboarding took too long. Reduced from 9 inputs to 4 by inferring non-critical data from spending patterns post-setup.
Finding 03
The "Decision Moments" feature needed a clearer entry point — users missed it until prompted. Surfaced to the home screen.
High-Fidelity
Final Designs
The final designs use a deep forest-green and pale teal palette to evoke growth and calm optimism. Rounded, generous type communicates approachability — this is a tool that's on your side.