💰 AI Finance Manager

Upload a bank statement. AI extracts every transaction, categorizes your spending, and becomes your personal financial advisor.

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Why This Exists

Bank statements are a mess. PDFs with weird formatting, CSVs with inconsistent columns, Excel files from 9 different Indian banks — each with their own layout. Manually entering transactions is tedious. Categorizing them is worse.

This app solves that: drop in a bank statement → AI does the rest.

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Architecture

graph LR
    A[📄 Bank Statement] -->|Upload| B[Document Processor]
    B -->|OCR + Parse| C[AI Extractor<br/>Claude Sonnet]
    C -->|Structured Data| D[Review UI]
    D -->|Approve| E[(PostgreSQL<br/>+ Prisma)]
    
    F[💬 Chat] -->|Natural Language| G[AI Advisor<br/>21 Tools]
    G -->|Query/Mutate| E
    
    E --> H[📊 Dashboard]
    E --> I[📈 Budgets & Goals]
    E --> J[💳 Accounts]

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What It Does

🤖 AI-Powered

Feature	How It Works
Smart Document Processing	Upload PDF, Excel, CSV, TXT → AI extracts every transaction with date, amount, merchant, category
AI Financial Advisor	Chat interface with 21 specialized tools — ask "where am I spending the most?" and get real answers from your data
Auto-Categorization	AI categorizes transactions (Food, Shopping, Utilities, Transport, etc.) — no manual tagging
Bank Detection	Automatically identifies which bank the statement is from and applies the right parser
Merchant Normalization	Cleans up raw text — "PAYPAL *NETFLIX" → "Netflix", "POS 4523 SWIGGY" → "Swiggy"

💼 Core Features

• Review-First Workflow — Extract → Review → Edit → Import (you stay in control)
• Multi-Account — Bank accounts, credit cards, wallets, investments, loans
• Dashboard — Income vs expenses, trends, net worth, spending breakdown
• Budgets — Monthly budgets by category with progress tracking
• Goals — Savings goals with contribution tracking
• Credit Health — Credit card utilization, payment tracking
• 20 Prisma Models — User, Account, Transaction, Document, Budget, Goal, Investment, Loan, CreditCard, ChatRoom, and more

🏦 Indian Bank Parsers

Built-in parsers for 9 Indian banks: HDFC, SBI, ICICI, Axis, Kotak, PNB, BOB, Canara, Union Bank. Each handles that bank's specific statement format.

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Tech Stack

Layer	Technology	Why
Backend	Express.js + TypeScript	Fast, typed, battle-tested
AI	Anthropic Claude (Sonnet)	Best at structured extraction
Database	PostgreSQL + Prisma ORM	20 models, type-safe queries
Frontend	Next.js + React 18 + MUI	Modern, responsive
Queue	Bull + Redis	Background document processing
Auth	JWT + bcrypt	Secure session management
Testing	Jest + Playwright	31 test files, unit + E2E

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The AI Chat (21 Tools)

The chat isn't a gimmick — it has real tools that read and write your financial data:

Read Tools (14): get_accounts · get_transactions · get_budgets · get_goals · get_categories · get_spending_summary · get_income_summary · get_net_worth · get_investments · get_loans · get_credit_cards · get_credit_health · get_insights · get_alerts

Write Tools (7): create_transaction · create_budget · create_goal · update_transaction · contribute_to_goal · create_account · categorize_transactions

Ask in plain English:

• "How much did I spend on food this month?"
• "Add ₹500 expense for groceries today"
• "What's my savings rate?"
• "Show me my top 5 spending categories"

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Quick Start

# Clone
git clone https://github.com/abhiFSD/AI-Finance-Manager.git
cd AI-Finance-Manager

# Backend
npm install
cp .env.example .env    # Add your Anthropic API key
npx prisma generate
npx prisma db push

# Frontend (separate terminal)
cd finance-app
npm install
npm run dev

# Seed test data
npm run seed
# Login: john.doe@example.com / Password123!

Requirements: Node.js 18+, Redis (for job queues), Anthropic API key

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Project Structure

├── src/                          # Backend (Express + TypeScript)
│   ├── api/                      # Route handlers
│   ├── services/
│   │   ├── ai-chat.service.ts    # AI advisor (21 tools)
│   │   ├── ai-tools.ts           # Read-only financial tools
│   │   ├── ai-tools-crud.ts      # Write tools
│   │   ├── parsers/              # 9 Indian bank parsers
│   │   ├── extraction/           # Transaction extraction
│   │   ├── categorization/       # Auto-categorization
│   │   ├── ocr/                  # Document OCR
│   │   ├── analytics/            # Spending analytics
│   │   └── automation/           # Recurring transactions
│   ├── middleware/                # Auth, rate limiting
│   └── workers/                  # Background job processor
├── finance-app/                  # Frontend (Next.js + React)
│   ├── src/app/                  # Pages (dashboard, chat, etc.)
│   ├── src/components/           # Reusable UI components
│   └── src/store/                # State management
├── prisma/
│   └── schema.prisma             # 20 models
└── test-data/                    # Bank statement samples

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API Endpoints

Method	Endpoint	What It Does
POST	/api/auth/register	Register
POST	/api/auth/login	Login → JWT
POST	/api/documents/upload/single	Upload bank statement
GET	/api/documents/:id	Get extracted data
POST	/api/documents/:id/import	Import reviewed transactions
GET	/api/transactions	List transactions (filterable)
POST	/api/chat/rooms/:id/messages	Chat with AI advisor
GET	/api/analytics/spending	Spending breakdown
GET	/api/net-worth	Net worth calculation

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License

MIT — use it, learn from it, build on it.