The cost to develop a financial app depends on features, security standards, and compliance with regulations. Core functionalities like user authentication, account management, and transaction history influence the overall development budget. Adding secure payment gateways, real-time notifications, and budget tracking tools increases the expense. Advanced features such as investment tracking, AI-based insights, and multi-currency support further raise development costs. Integration with banks, third-party APIs, and encryption services adds to the complexity and budget. UI/UX design focused on simplicity and trust plays a key role in user adoption. Backend infrastructure, cloud hosting, and robust data security are essential parts of the total cost. Testing across devices and platforms ensures performance and reliability. Ongoing maintenance, updates, and customer support contribute to recurring expenses. Overall, the final cost varies widely based on features, technology stack, and long-term scalability goals.