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How It Works

Discover the vision and technology behind your AI financial guardian

How RukiAI Works

AI Personal Finance Tracker

Take control of your spending with smart insights, not spreadsheets. Our AI-powered Personal Finance Tracker helps you manage daily expenses, uncover hidden spending patterns, and receive intelligent suggestions to stay on track with your financial goals.

What It Does

  • Add and track daily expenses through a clean, easy-to-use interface
  • Get AI-generated insights like spending alerts and savings suggestions
  • Receive weekly reports via email or SMS with summaries
  • Set category-based budgets and savings goals
  • Customize notification preferences to your needs

AI Insights

  • "You're spending too much on food this week"
  • "Consider saving ₹2,000 this month based on your habits"
  • "Your subscriptions have increased by 15% this quarter"
  • "You could save $120/month by reducing coffee shop visits"
  • "Based on trends, you'll reach your savings goal in 3 months"

Technology Stack

Backend

Robust and scalable infrastructure

Node.js Express MongoDB Mongoose

AI & Analytics

Intelligent financial analysis

Cohere Rule-based Logic Pattern Detection Predictive Analytics

Notifications

Timely alerts and reports

Nodemailer Twilio Node-Cron Web Push

Frontend

User-friendly interfaces

React React Native Chart.js Tailwind CSS

Key Features

Add Expenses

Categorized entries with amount, description, and date through simple forms or API integration.

AI Insights

Smart suggestions to improve your financial habits based on spending patterns and trends.

Reports

Weekly summary of where your money is going with visual breakdowns and comparisons.

Alerts

Get reminders and insights via email/SMS when unusual spending or savings opportunities are detected.

Secure Auth

User accounts with JWT authentication and bank-level encryption to protect your financial data.

Custom Preferences

Set budgets, categories, and saving goals tailored to your financial objectives.

Use Cases

Daily Expense Tracking

Automatically track your daily or weekly spending without manual data entry. The AI categorizes transactions and provides real-time insights.

Savings Optimization

Get intelligent tips on where to save based on your spending patterns. The AI identifies potential savings opportunities you might have missed.

Goal Management

Set financial goals and receive reminders to stay disciplined. The system tracks your progress and adjusts recommendations as you go.

Spending Analysis

Understand where your money goes without doing math. Visual reports and heatmaps make it easy to see your financial patterns at a glance.

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