Feature spec
Goal: Send a clear invoice after finishing a job.
- Add a client, line items, a due date, and payment instructions.
- Preview the total before exporting a PDF.
- Keep an editable draft if export fails.
App Overview
EarnIn: Beyond Cash Advance
EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more.
Free · In-app purchases
PRICE
Free
In-app purchases
BUSINESS MODEL
Freemium
No overall Grossing estimate available
RATING
★ 4.8
457,045 ratings · Top 5%
Evidence scope: No current overall US chart position is available. Category-chart positions shown in discovery are a separate scope. Revenue is a directional model estimate, not verified earnings.
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Build Kit
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A product spec, screen plans, and build steps for your coding agent.
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What's included18 files
A product spec, phased build plan, differentiation notes, and screen references.
- START_HERE
- AGENTS
- EVIDENCE
- SPEC
- BUILD_PLAN
- DIFFERENTIATION
- skills/
- screens/
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Illustrative example: an invoice app for independent contractors. Your kit is tailored to the app you choose; this is not its generated content.
Screen plan
Invoice editor: Client at the top, editable line items in the middle, total and preview action at the bottom.
States: Empty draft, validation errors beside each field, exporting, and a retry action that preserves the draft.
Differentiate and validate
Hypothesis: Contractors need faster repeat invoices more than more templates.
First experiment: Test duplicating a previous job with five contractors. Watch where they hesitate before expanding the feature set.
The full kit adds a phased build plan, evidence notes, tool prompts, and implementation guidance. It is a plan for your coding agent, not a finished app.
Usage: Mechanics are fair game; never reuse the original name, branding, assets, or verbatim copy.
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Free quick prompt For a smaller starting point
Quick prompt
Good fit for mobile-first iOS and Android prototypes with managed app scaffolding.
// RORK SYSTEM PROMPT
Rork plan preview for EarnIn: Beyond Cash Advance: map the core Finance workflow, choose the smallest differentiated feature set, define the data and monetization boundaries, then prototype the riskiest user journey first.
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Opportunities
AI-GENERATED OPPORTUNITY HYPOTHESES
These are generated suggestions, not verified review quotations. Check current App Store reviews and speak with users before treating a possible gap as a requirement.
Hypothesis 1
Ensure clear communication about cash-out timelines.
Assumption to check: Inconsistent cash-out timing can confuse users.
Validate with people who use this workflow before building.
Hypothesis 2
Implement in-app chat support for immediate assistance.
Assumption to check: Limited user support options.
Validate with people who use this workflow before building.
Hypothesis 3
Offer fee-free cash-out options for loyal users.
Assumption to check: Users may face high fees for cash-outs.
Validate with people who use this workflow before building.
Hypothesis 4
Integrate budgeting features to help users manage their finances better.
Assumption to check: Lack of budgeting tools.
Validate with people who use this workflow before building.
App evidence
Original App Store material. Ratings and screenshots describe the existing app, not proof of demand for your version.
App Store description
EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more. GET UP TO $150 PER DAY* Access up to $150/day, with a max of $1,000 per pay period. Get your money in your bank in minutes for a small fee, or in 1-3 business days at no cost. NO MANDATORY FEES No interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.¹ ACCESS YOUR OWN CASH Tap into money you’ve already earned to pay bills in advance, keep your budget on track, and more. Why borrow money, take out a payday loan, or use a cash advance?^ GET PAID EARLY With Early Pay, you can get your paycheck up to 2 days early. Just $2.99 per expedited transfer to your primary bank.‡ HELP AVOID OVERDRAFTS With Balance Shield, you can get alerts & custom transfers from your own pay to help protect your bank balance.** TRACK YOUR CREDIT SCORE FOR FREE Your VantageScore 3.0® by Experian® is just a tap away.^^ EFFORTLESS SAVING With Tip Yourself, you can set yourself up to save every time you get your paycheck.² SAFE AND SECURE We use the latest in security technology to keep your data protected. BACKED BY 24/7 SUPPORT Our Live Chat team is available 24/7, 365 days a year. EarnIn is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, MoneyLion EarnIn EarnIn, P.O. Box 46 Palo Alto, CA 94302 _ ^ Expedited transfers available for a fee. Visit Earnin.com for full details. * Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not. ¹ EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details. ² EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC. FDIC insurance covers eligible funds should the bank holding your funds fail. Fees and restrictions apply. Visit EarnIn.com for full details. including FDIC coverage information. ³ Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details. ⁴ Your VantageScore 3.0 may differ from the score your lender uses. Visit Experian.com for full details. ⁵ EarnIn is not a bank. Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details. ⁶ Paid Testimonial. Compensation was provided for this testimonial, but the statements reflect a real EarnIn experience.
Written user reviews are not shown here. Check current App Store reviews >
Screenshots
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Build scope
Plan a focused first version with your coding agent. These are planning assumptions, not a delivery guarantee.
Define the first version
Choose one audience and one core workflow. Use the kit to agree on its screens, data, and acceptance criteria before building.
Set boundaries
Decide which secondary features, integrations, and platform support can wait. Your version does not need to reproduce everything in the original.
Check the hard parts
Validate external services, specialist technology, data access, and ongoing costs for your chosen scope.
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BUILD KIT DIFFICULTY
Expert
From the Build Kit assessment.
A reliable timeline needs an agreed scope and a technical check. Ask your agent to estimate the phases in BUILD_PLAN.md after that review.
