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AI-Powered Personal Finance Management App
At CodeTheorem, we recognized a critical need: managing personal and household finances remains fragmented, manual, and often overwhelming. We developed an independent AI-powered Personal Finance Management (PFM) application designed to unify, automate, and personalize financial oversight for individuals and families.
Problem Statement
Fragmented Financial Overview
Users struggle to get a unified, real-time view of their finances across multiple banks, wallets, and family members—leading to confusion and disjointed financial planning.
Manual Tracking & Missed Anomalies
The need to manually categorize expenses and interpret statements results in fatigue, overlooked errors, and inefficient financial decisions.
Unintelligent Payment Management
Duplicate or accidental transfers—especially among individuals or family members—go unchecked due to a lack of smart reminders or validations.
Hidden Costs from Subscriptions & Loans
Unmonitored subscriptions and unclear loan terms silently drain funds, with salary anomalies and interest surprises often going unnoticed.
Low Financial Engagement & Awareness
Traditional tools fail to simplify financial data, leaving users—especially families—disengaged and unaware of spending habits, savings, and goals.
AI Tools & Technology Stack
Advanced tech & tools behind our AI-Powered Travel Applications
Figma
Angular
React
Chat GPT
IOS
Android
RAG
Figma
Angular
React
Chat GPT
IOS
Android
RAG
AI-Powered Solution
CodeTheorem built a multi-layered AI solution tailored to modern, everyday financial needs for both individuals and families.
Flexible Data Integration
Real-time syncing with bank accounts and wallets, PDF statement upload with OCR + NLP, email parsing for digital receipts and salary slips, and Account Aggregator integration for regulated financial data access.
Smart Categorization Engine
Auto-tags recurring expenses (rent, groceries, tuition), learns from corrections, adapts to user behavior, and differentiates personal vs. shared family expenses.
Contextual Alerts & Notifications
Flags duplicate/missed payments, unusual activity or overlapping payments, subscription charges on inactive services, EMI interest rate changes or unclear terms, and irregular salary deposits.
Intelligent Personalization
Offers a voice assistant for financial Q&A, peer spending comparisons, personalized tips and reminders, and family dashboards with member-wise budgeting and goal tracking.
Specialized Features
Includes duplicate transfer detection, loan interest monitoring, salary anomaly alerts, and centralized subscription tracking.
Outcomes
Reduced Financial Errors
Achieved fewer missed or duplicate payments and early detection of salary or loan anomalies.
Enhanced Visibility
Provided a unified view of all personal and household financial activity.
Informed Decision-Making
Timely alerts enabled better financial planning and faster responses.
Improved User Experience
Delivered a simple, jargon-free interface and easier family coordination with shared dashboards and financial tracking.
