FinTrack — AI-Powered Personal Finance
A production-grade personal finance application with real-time AI insights, multi-account tracking, investment portfolio management, Indian tax planning, debt intelligence, and a premium AMOLED-first design system.
Table of Contents
Overview
FinTrack is a full-stack personal finance tracker built for users who take their money seriously. It goes beyond basic budgeting — it ingests your transactions, tracks your investments, plans your debt payoff, handles Indian tax compliance, and gives you an AI co-pilot you can actually ask questions in plain English.
Who it's for: Individuals who want surgical clarity over their complete financial picture — not another pastel dashboard full of pie charts.
Design philosophy: Cold obsidian surfaces, tabular financial numbers, data that feels live. Inspired by Linear and Superhuman in terms of craft; Copilot Money in terms of category understanding.
Live Demo
| Environment | URL |
|---|
| Frontend (Vercel) | https://fintrack-omega-neon.vercel.app |
| Backend (Railway/Render) | Configured via NEXT_PUBLIC_API_URL |
| Mobile (Capacitor Android) | APK available on request |
Feature Set
Core Finance
| Feature | Description |
|---|
| Transactions | Add, edit, delete income/expense entries with categories, tags, notes, payment mode |
| Quick Add | Natural language input — type "₹500 coffee" and AI parses it instantly |
| SMS Parser | Paste a bank SMS and AI extracts the transaction automatically |
| Receipt Scanner | Upload a photo — AI vision reads the amount, merchant, and date |
| Recurring | Schedule bills, subscriptions, EMIs with daily/weekly/monthly/yearly cadence |
| One-Time Expenses | Plan large upcoming purchases separately from recurring flow |
| Regret Tracking | Mark a transaction as regret — AI identifies your regret spending patterns |
| Advanced Search | Token-based search (amount:, category:, type:, tag:, date:, notes:) with saved filter views |
| Bulk Operations | Multi-select transactions to bulk recategorize, tag, delete, split, or export to CSV |
| PDF Bank Statement Import | Upload a bank statement PDF — AI extracts and imports all transactions in bulk, flagging likely duplicates against existing transactions for review before confirming |
Accounts & Net Worth
| Feature | Description |
|---|
| Bank Accounts | Track multiple savings/current accounts with live balance computation |
| Credit Cards | Track credit limit, outstanding balance, billing cycle, due dates |
| Wallets | UPI wallets (PhonePe, Paytm, etc.) with custom icons and colors |
| Net Worth View | Dedicated /net-worth page with monthly snapshots and wealth velocity tracking |
| Wealth Intelligence | Month-over-month net worth growth trend (accelerating/decelerating/steady), asset allocation vs recommended, deviation score |
Investments
| Feature | Description |
|---|
| Investment Portfolio | Track mutual funds, stocks, FDs, PPF, NPS, gold, crypto, and other assets |
| Live Gain/Loss | Unrealized gain/loss computed from purchase price vs current NAV/price |
| Portfolio Summary | Total invested, current value, overall gain/loss percentage, grouped by asset type |
| CAMS Import | Upload a CAMS consolidated statement PDF/CAS to auto-import your mutual fund holdings |
| Investment Transactions | Log buys, sells, dividends, and SIP installments per holding |
Loans & Debt Intelligence
| Feature | Description |
|---|
| Loan Tracker | Track home loans, car loans, personal loans, student loans with full amortization |
| Amortization Schedule | Month-by-month EMI breakdown: principal vs interest for every loan |
| Prepayment Simulation | Model what happens if you make a lump-sum prepayment — months saved, interest saved |
| Debt Payoff Optimizer | Avalanche (highest-rate first), Snowball (smallest-balance first), and Cascade strategies |
| Prepayment Impact | Side-by-side comparison of payoff date and total interest with vs without extra payments |
| Credit Utilization | Credit card utilization across all cards with optimal vs critical thresholds |
| Debt-to-Income Ratio | Real-time DTI based on current income and all active loan EMIs |
Budgets & Goals
| Feature | Description |
|---|
| Monthly Budgets | Set category-level spend limits; progress bars update in real-time |
| Smart Budget Auto-Adjust | Suggestions to roll over unused budget, switch to zero-based mode, or recalculate from a 3-month average, plus per-category health chips |
| Savings Goals | Create goals with target amounts and deadlines; add funds manually |
| Savings Automation Planner | Guided savings challenges (No Eating Out Week, Coffee Challenge, Weekend No-Spend) with goal projections and achievement tracking |
| Budget Health | AI monthly health report — budget vs actual, recommendations |
| Financial Health Score | 0–100 composite score from savings rate, budget adherence, goal progress, emergency fund, and credit utilization, with month-over-month trend |
| Proactive Financial Coach | Dashboard alerts for budget breaches, projected overspend pace, upcoming bills, low balances, and stalled goals |
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