Nexus Finance: AI-Powered Financial Goal Planner for Personalized Budgeting & Investment

Authors

Sangita Patil

Dept. of Electrical and Electronics Enginnering Mit Adt University, Pune-412201, Maharashtra (India)

Khushi Bhadangkar

Dept. of Electrical and Electronics Enginnering Mit Adt University, Pune-412201, Maharashtra (India)

Tanmay Kshirsagar

Dept. of Electrical and Electronics Enginnering Mit Adt University, Pune-412201, Maharashtra (India)

Divya Thakur

Dept. of Electrical and Electronics Enginnering Mit Adt University, Pune-412201, Maharashtra (India)

Atharva Borate

Dept. of Electrical and Electronics Enginnering Mit Adt University, Pune-412201, Maharashtra (India)

Article Information

DOI: 10.47772/IJRISS.2026.10190019

Subject Category: Management

Volume/Issue: 10/19 | Page No: 250-259

Publication Timeline

Submitted: 2026-01-21

Accepted: 2026-01-27

Published: 2026-02-14

Abstract

In today’s world, managing personal finances—particularly saving and budgeting—has become increasingly challenging. This is largely because people make frequent purchases both online and offline, often without carefully tracking their expenses. As a result, individuals need effective tools to manage their finances more efficiently. One promising solution is a financial planning system that leverages machine learning to analyze spending habits and provide personalized recommendations. By examining users’ behavior, such a system can help them achieve short- and long-term financial goals while maintaining a balanced lifestyle. These tools can also track daily expenditures, assess overall financial health, and generate tailored suggestions through adjustable financial scorecards. Incorporating behavioral analysis allows the system to offer meaningful insights and timely guidance. Built using modern technologies such as Flutter, React.js, and SQLite, the platform can provide a secure and user-friendly experience with real-time updates and clear visual dashboards. Overall, an AI-driven financial management system that focuses on spending analysis and financial awareness can empower users to make informed decisions and improve their financial well-being.

Keywords

Personal Finance, Artificial Intelligence, Behavioral Analytics, Machine Learning, Random Forest, K-Means Clustering, Fintech.

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