A full-stack personal finance tracking application built with the MERN stack. Track your daily expenses, set monthly budgets, visualize spending patterns, get AI-powered financial insights, and chat with an AI budget advisor.

🌐 Frontend: https://finance-tracker-gray-xi.vercel.app
🔧 Backend API: https://financetracker-w0af.onrender.com

⚠️ The backend is hosted on Render's free tier and may take 30-50 seconds to wake up on the first request.

• 🔐 Secure Authentication — JWT-based login/signup with bcrypt password hashing
• 💸 Expense Management — Add, edit, and delete daily expenses
• 📂 Smart Categories — 16 predefined categories (Food, Transport, Grocery, etc.)
• 🏷️ Needs vs Wants — Automatically tag every expense to track spending habits
• 📊 Visual Dashboard — Day-wise area charts and category pie charts
• 💰 Budget Management — Set monthly budgets with health indicators
• 🟢 Budget Health — Green/Yellow/Red indicator based on spending percentage
• 📅 Expense History — View and analyze expenses from previous months
• 📄 PDF Report Export — Download monthly reports as beautifully formatted PDFs

• 🤖 AI Expense Categorizer — Auto-categorize expenses using Google Gemini 2.5 Flash
• 🔄 Rule-based Fallback — Smart keyword-based categorization when AI is unavailable
• 💬 RAG Budget Advisor Chatbot — Chat with an AI advisor about your spending habits
• 📈 Smart Spending Insights — AI-generated personalized financial insights

• 🔒 JWT Authentication with 30-day expiry
• 🔑 bcrypt password hashing (salt rounds: 10)
• 🛡️ Protected API routes with middleware
• 🔐 Environment variables for all secrets

FinanceTracker/
├── backend/
│   ├── config/
│   │   └── db.js
│   ├── middleware/
│   │   └── auth.js
│   ├── models/
│   │   ├── User.js
│   │   ├── Expense.js
│   │   └── Budget.js
│   ├── routes/
│   │   ├── auth.js
│   │   ├── expenses.js
│   │   ├── budget.js
│   │   ├── ai.js
│   │   ├── insights.js
│   │   └── chatbot.js
│   ├── services/
│   │   ├── aiCategorizer.js
│   │   ├── insightsService.js
│   │   └── chatbotService.js
│   ├── .env
│   ├── package.json
│   ├── package-lock.json
│   └── server.js
│
├── frontend/
│   ├── public/
│   │   ├── index.html
│   │   ├── favicon.ico
│   │   └── manifest.json
│   │
│   ├── src/
│   │   ├── components/
│   │   │   ├── Auth/
│   │   │   │   └── PrivateRoute.js
│   │   │   └── Navbar.js
│   │   │
│   │   ├── context/
│   │   │   └── AuthContext.js
│   │   │
│   │   ├── pages/
│   │   │   ├── Login.js
│   │   │   ├── Register.js
│   │   │   ├── Dashboard.js
│   │   │   ├── Expenses.js
│   │   │   ├── Budget.js
│   │   │   └── History.js
│   │   │
│   │   ├── utils/
│   │   │   ├── api.js
│   │   │   └── pdfReport.js
│   │   │
│   │   ├── App.js
│   │   ├── App.css
│   │   ├── index.js
│   │   └── index.css
│   │
│   ├── package.json
│   └── package-lock.json
│
├── .gitignore
├── LICENSE
└── README.md

• Node.js v18+
• MongoDB (local) or MongoDB Atlas account
• Google Gemini API key

git clone https://github.com/NikithaDineshKumar/FinanceTracker.git
cd FinanceTracker

cd backend
npm install

Create a .env file in the backend folder:

PORT=5000
MONGO_URI=mongodb://localhost:27017/financetracker
JWT_SECRET=your_jwt_secret_key
NODE_ENV=development
GEMINI_API_KEY=your_gemini_api_key

Start the backend server:

npm run dev

Open a new terminal:

cd frontend
npm install
npm start

Go to http://localhost:3000

Needs: Food • Grocery • Vegetables • Medicine • Hospital • Milk • Current • Tuition

Wants: Shopping • Transport • Cosmetics • Dress • Service • Maid • Stationary • Other

• User authentication (JWT)
• Expense CRUD operations
• Budget management
• Visual charts and dashboard
• Monthly history
• Responsive design with hamburger menu
• AI expense categorizer (Google Gemini 2.5 Flash)
• Rule-based fallback categorizer
• Smart spending insights
• RAG budget advisor chatbot
• PDF report export
• Deploy to Vercel + Render + MongoDB Atlas

This is a personal project but feel free to fork and build on it!

This project is licensed under the MIT License.

Nikitha Dinesh Kumar

• GitHub: @NikithaDineshKumar

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