FinWise AI

AI-Powered Personal Finance Platform for Indian Investors

FinWise AI is an intelligent personal finance platform that helps users manage expenses, investments, financial goals, taxes, and debt in one place. It combines financial analytics, automation workflows, and AI agents to deliver personalized financial insights and recommendations.

The platform is designed primarily for young Indian professionals who want a modern, automated way to track and optimize their finances.

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Core Features

Expense Management

• Track daily expenses manually or import bank statements
• AI-powered categorization of transactions
• Budget management by category
• 50/30/20 financial rule analyzer
• Monthly spending analytics and charts
• CSV/PDF transaction import

Investment Tracking

Mutual Funds

• Add and manage MF holdings
• Live NAV tracking
• Historical NAV charts
• Portfolio metrics (CAGR, gain/loss)
• AI-powered fund analysis

Stocks

• Portfolio management
• Technical indicators (RSI, MACD, SMA)
• Risk-reward tracking
• Stop-loss and target monitoring
• AI-powered stock verdicts

Financial Goals

• Create and track goals
• Automatic progress tracking
• Goal feasibility analysis
• SIP recommendations
• Milestone notifications

Net Worth Tracking

• Consolidated assets and liabilities
• Automatic net worth calculation
• Historical net worth trends
• Asset allocation visualization

AI Financial Advisor

AI agents analyze your financial data and provide actionable insights:

• Mutual fund analysis agent
• Stock verdict agent
• Expense optimization agent
• Goal planning agent
• Finance orchestrator chat assistant

Smart Alerts

Real-time alerts for:

• Stop-loss breaches
• Target price hits
• Budget overspending
• Goal milestones
• SIP reminders
• Tax deadlines

Tax Planning

• 80C deduction tracker
• Old vs New regime comparison
• HRA calculator
• Capital gains summary
• Tax calendar reminders

Debt Planner

• Loan tracking
• Snowball repayment strategy
• Avalanche repayment strategy
• Extra payment simulator

Fixed Deposit Optimizer

• Compare FD rates across banks
• Maturity calendar
• Tax-adjusted yield calculations

Monthly AI Financial Report

Users receive an AI-generated monthly report summarizing:

• Investment performance
• Expense behavior
• Goal progress
• Personalized financial recommendations

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Tech Stack

Frontend

• React
• TypeScript
• Vite
• TailwindCSS
• Recharts / Chart.js
• TradingView Lightweight Charts

Backend

• FastAPI
• Python
• Pydantic
• Motor (MongoDB async driver)

Database

• MongoDB

AI

• Claude AI (Anthropic)
• AI Agents with MCP architecture

Automation

• N8N workflows

Infrastructure

• Docker
• Redis (caching)
• AWS S3 (file storage)

Authentication

• Supabase Auth
• JWT-based session management

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Architecture Overview

Frontend (React + TypeScript)
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Backend API (FastAPI)
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MongoDB Database
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AI Agents (Claude)
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Automation Workflows (N8N)

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Project Structure

finwise-ai
│
├── frontend
│   ├── src
│   │   ├── components
│   │   ├── pages
│   │   ├── hooks
│   │   ├── services
│   │   ├── store
│   │   └── utils
│
├── backend
│   ├── app
│   │   ├── routers
│   │   ├── models
│   │   ├── schemas
│   │   ├── services
│   │   ├── core
│   │   └── utils
│
├── mcp_server
│
├── n8n
│
├── docs
│
└── docker-compose.yml

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Development Roadmap

The development is structured into four phases.

Phase 1 — MVP

• Authentication system
• Expense tracking
• Dashboard analytics
• Mutual fund portfolio tracking
• Stock portfolio tracking
• Goal management
• Net worth dashboard

Phase 2 — AI Core

• AI investment analysis
• Expense analyzer
• Goal planning AI
• Bank statement PDF import
• Smart alert system
• Finance chat assistant

Phase 3 — Full Features

• Tax planner
• Debt payoff planner
• Fixed deposit optimizer
• Personalized finance news
• Monthly AI financial reports

Phase 4 — Scale

• WhatsApp finance bot
• Redis caching
• Performance optimization
• Admin dashboard
• Monitoring and analytics

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Installation

Clone the Repository

git clone https://github.com/yourusername/finwise-ai.git
cd finwise-ai

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Run with Docker

docker-compose up --build

Services started:

• Backend API
• MongoDB
• Redis
• N8N

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Run Frontend

cd frontend
npm install
npm run dev

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Run Backend

cd backend
pip install -r requirements.txt
uvicorn app.main:app --reload

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Environment Variables

Create .env files for backend and frontend.

Example:

Backend:

MONGODB_URI=
REDIS_URL=
SUPABASE_URL=
SUPABASE_KEY=
ANTHROPIC_API_KEY=
AWS_S3_BUCKET=

Frontend:

VITE_API_BASE_URL=
VITE_SUPABASE_URL=
VITE_SUPABASE_ANON_KEY=

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Security & Compliance

• All AI outputs include a financial advisory disclaimer
• Sensitive financial data is anonymized before AI processing
• Secure authentication using Supabase
• Encrypted storage for uploaded financial documents

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Disclaimer

FinWise AI is a financial information tool, not a registered investment advisor. All AI-generated insights are for educational purposes only and should not be considered financial advice.

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Contributing

Contributions are welcome.

Steps:

1. Fork the repository
2. Create a feature branch
3. Commit changes
4. Open a pull request

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License

This project is licensed under the MIT License.

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Future Vision

FinWise AI aims to become an AI-powered personal CFO for individuals, helping users make better financial decisions through automation, data analysis, and intelligent recommendations.