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Please list down the features you will need on the personal finance app.
Probable ones could be
Budget Tracker
Income Manager
Expense Manager
Trip Expense tracker.
Portfolio manager
While the first 4 are fairly simple to implement ( effort will vary between 1.5 to 2.5 months ) based on granularity of features. Details which will vary the efforts are like
whether the data stays in mobile only or does it need to be synchronized to some server
what sort of authentication mechanism would you like build in like OAuth or simple authentication ?
Portfolio analysis can get very detailed with multiple charts etc. Typically development of a portfolio management application will take additional 2–3 months. This is a realistic figure given the complexities you need to incorporate for different type of instruments like Equity, MF, Forex, Commodities etc. Lesser the number of instruments, the effort cost will be lower.