Android Personal Finance Tracker Development

I need a reliable developer to build an Android-only mobile application that lets everyday users record income, log spending, and set clear short- and long-term financial goals. The core of the project is a streamlined, intuitive interface where people can quickly add transactions and immediately see how each entry affects the progress of their chosen goals.

At launch the app must cover:
• Accurate income & expense tracking with editable categories
• A simple goal-setting flow that tracks progress automatically as new transactions are logged
• Notifications for spending alerts and goal progress updates to engage users better

Additionally:
• I would prefer clean, well-documented Kotlin code, modern Android UI components, and local data persistence using solutions like Room.
• Open to implementing a secure cloud sync option—not mandated but it's great if you can suggest a platform like Firebase or others.
• Am willing to discuss potential future roadmap ideas like multi-platform support or budget planning tools.

Please outline your development approach in detail, provide examples from past similar projects (e.g., personal finance apps), and suggest realistic timelines. In addition to clean APKs and full source code, I’d love thorough setup notes as part of deliverables. Thanks!