Authors: Mrs.S.Subha, Jeeva Pandiyan S, Kaviyarasan E, Najeeb Ahmed S
Abstract: The AI-Powered Platform for Personal Finance aims to simplify and enhance individual financial management through intelligent, data-driven solutions. The platform utilizes artificial intelligence and machine learning algorithms to examine user financial records such as income, expenditures, savings, and investment behavior. Based on these analyses, the system generates personalized budgeting strategies, spending insights, and predictive forecasts to support better financial decision-making. Natural language processing is incorporated to enable intuitive, conversational interaction, allowing users to access financial guidance in real time. In addition, advanced analytics help identify potential financial risks and opportunities, assisting users in optimizing savings and investment plans. Strong security measures and privacy-aware data handling techniques are embedded to protect sensitive financial information and ensure compliance with regulatory standards. Performance evaluation indicates that the platform significantly improves financial awareness, encourages disciplined spending habits, and enhances long-term financial planning. Overall, the proposed AI-based personal finance platform provides a scalable, secure, and intelligent approach to managing personal finances, empowering users with actionable insights for achieving financial stability and sustainable economic growth.
DOI: https://doi.org/10.5281/zenodo.18753748
