Volume 2 - Issue 3, May - June 2026

The lack of financial literacy, increased costs of living, and inadequate budgeting habits are increasing the complexity of personal finances in the world based on a fast-paced digital environment. Professional financial advisors provide guidance to many people who tend to use their services at high fees and also give them biased advice. The available financial applications are largely transactional, do not analyse or support decisions at the level of an individual. The given project introduces an Intelligent Financial Guidance System that provides simple financial guidance with the help of basic artificial intelligence based on the rules in the form of a web-based platform. The system gathers data on the user (income, expenses, savings, EMI payable, risk preferences, and financial goals) and process financial health analysis using a set of heuristic rules and ratio approaches. On this analysis Risk levels are predicted and recommendations are made to the budgeting, savings and simple investment planning. The software is written in Python and Flask on the back-end side, HTML, CSS, JavaScript and SQLite on the front-end and database administration. The system undergoes accuracy, consistency, and usability testing in the typical web settings. It seeks to increase financial awareness, help in making informed decisions and decrease the reliance on costly financial advisors. Additional improvements that can be made in the future are the use of machine learning model, stock market, and development of mobile applications.

R. Selvakumar, M. Ramaraj,"AI Based Personal Finance Management System" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(3): Page(962-966) May-June 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.