AI-Powered Smart Family Finance Management System with Investment Analytics and Wealth Prediction

This paper has presented the design and implementation of Smart Family Financier, a full-stack web application that unifies expense tracking, salary management, investment portfolio management, financial reporting and rule-based advisory within a single dashboard. Built as a React single-page application backed by a stateless Node.js and Express REST API secured with JWTs, the system supports thirteen investment asset classes, revalues gold holdings in real time, computes a composite portfolio health score, generates personalized insights, projects future wealth and exports data to Excel and PDF. Evaluation on a representative family dataset demonstrated accurate computation of the key indicators in an intuitive, India-centric interface. Planned future work includes multi-member sub-accounts, category-level budgets, open-banking transaction import, live stock-market prices, an income-tax calculator, a React Native mobile application, and machine-learning-based spending-pattern analysis and anomaly detection.

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