API-first • multi-provider AI • scale-ready MVP
A strong first release for an AI personal finance product.
Track income and expenses, see monthly summaries, create savings goals, and ask grounded AI questions based on your own finance data.
• Smart category suggestion with rule-first + AI fallback• Cost-aware model routing and graceful degradation• Foundation ready for Telegram, OCR, voice, and family budgets
Why web first
Dashboard, forms, analytics, auth, and privacy controls are easier to validate in one coherent experience than in a chat-only interface.
AI routing
Cheap models handle lightweight chat and classification. Stronger models are used only when finance reasoning needs more depth.
Future-ready
Telegram, PWA installability, speech input, OCR receipts, and more modules can plug into the same backend without rework.