One Screen, Under Five Seconds
Entry is a single screen: amount on a large keypad, a category from recently-used tiles, and save. Date defaults to now, notes and receipts are optional and out of the way, and recurring bills post themselves. Everything writes to a local database first and syncs when there is signal, so the app is fully usable in a basement queue and never loses an entry to a failed request.
The insight side is deliberately narrow: spend by category this month against last, budget progress with a projection of where the month is heading at the current rate, and a plain list you can search. We shipped fewer charts than the client originally asked for, on the argument that a chart nobody reads is a chart that costs load time — and kept the entry path as the thing everything else defers to.