AI-Powered Personal Finance Intelligence Platform: Design, Implementation, and Performance Evaluation

This paper presented the complete design, implementation, and experimental evaluation of an AI-Powered Personal Finance Intelligence Platform—a full-stack web application integrating machine learning-based expense forecasting, comprehensive financial transaction management, and a personalised recommendation engine within a unified deployable architecture. All eight system modules achieved 100% functional correctness, with AI expense prediction attaining 91.3% accuracy and a MAE of INR 1,842 against synthetic user datasets. The platform successfully bridges the gap between passive financial record-keeping and proactive intelligence-driven personal financial advisory. Future enhancements include: automatic bank statement and UPI transaction import via open-banking APIs; real-time SMS-based expense detection; an AI conversational chatbot for natural-language financial queries; mobile application integration for Android and iOS platforms; income tax estimation and investment growth prediction modules. These extensions will progressively evolve the platform toward a commercially viable, comprehensive digital financial companion.

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