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Bruh many apps tried to do this. But the problem is the tracking system should be very very precise. But no it just shows how much you just spend the whole day or month and this is useless. If you want to make a app like that you should be innovative and should classify their payments exactly for grocery, food, travel and more. But this is very hard you need many authentications and permissions from the phone user. That he will definitely not do. I think only a bank based app can do it very precise and clear. Until then whatever you do it's just useless and does not make any impact at all.

Trying to build something like this

When you have money in your account then you spend but when you ask any graduate who is studying there is no over spending a in fact no spending at all .so it's ultimately depends on individual thought process

Many already exist

Already so many companies are doing this, and few failed to due to no big monetization opportunities to earn revenue.