FinanceFlow - AI Finance Manager

FinanceFlow – AI-Powered Personal Finance Management SaaS

FinanceFlow is a premium personal finance management SaaS application built with Laravel 12, Vue 3, Inertia.js, and Google Gemini AI. It includes 32 database models, 39 migrations, 26 customer controllers, and 23 admin controllers.

Users can manage financial accounts, track transactions, plan budgets, set savings goals, manage debts, monitor investments, and receive personalized financial advice through an AI chatbot.

11 AI-Powered Features

• Smart Transaction Categorization
• Six-Month Balance Forecasting
• Portfolio Risk Analysis
• Fraud and Anomaly Detection
• 360-Degree Financial Health Audit
• Subscription Scanner
• Smart Savings Coach
• Spending Pattern Analysis
• Receipt Scanning and Parsing
• AI-Powered Budget Suggestions
• AI Financial Chatbot with Context-Aware Responses

The AI engine supports multiple API keys with automatic rotation when rate limits are reached.

Stripe Subscription System

FinanceFlow includes a three-tier Stripe subscription system with secure checkout, subscription management, webhook processing, feature restrictions, and a seven-day free trial.

• Basic: $9.99 per month
• Pro: $29.99 per month
• Enterprise: $99.99 per year

The admin panel allows administrators to manage plans, monitor subscriptions, and track revenue.

Comprehensive Financial Management

• Multi-Account Management: Bank, Cash, Credit Card, Investment, and Wallet
• Transaction Tracking with Categories, Tags, Vendors, and Receipts
• Budget Planning with Progress Tracking and AI Recommendations
• Savings Goals with Contributions and Visual Progress
• Debt Management with Settlement Tracking and Payoff Strategies
• Bill Reminders with Due-Date Email Notifications
• Recurring Transactions and Automated Payment Tracking
• Investment Tracking for Stocks, Bonds, ETFs, Cryptocurrency, and Real Estate
• Asset Management with Periodic Valuations
• Vendor Management for Organizing Merchants

Reports and Data Export

• Income and Expense Reports with Date Filtering
• Category-Wise Spending Breakdown with Donut Charts
• Financial Trend Analysis with Line and Bar Charts
• Net Worth Tracking Over Time
• Balance Prediction Charts
• PDF Export Using DomPDF
• CSV and Excel Export Using Maatwebsite Excel
• CSV and Excel Transaction Import

Admin Panel – 23 Modules

• User Management
• Global and User-Specific Categories
• Currency Management
• Subscription Plan Management
• User Subscription Management
• Transaction Management
• Account Management
• Budget Management
• Goals Management
• Debt Management
• Bill Reminder Management
• Recurring Transaction Management
• Investment Management
• Asset Management
• Tag Management
• Vendor Management
• Financial Reports
• AI Settings
• AI Chat Management
• Financial Tips Management
• Activity Logs
• Profile Management

The admin dashboard displays key metrics, including total users, revenue, active subscriptions, and financial summaries.

Customer Dashboard – 19 Modules

Customers get a comprehensive dashboard with financial summaries, interactive charts, AI insights, goal progress, upcoming bills, balance predictions, and recent transactions.

• Dashboard Overview
• Accounts
• Transactions
• Budgets
• Goals
• Debts
• Bills
• Recurring Transactions
• Investments
• Assets
• Categories
• Tags
• Vendors
• Reports
• Notifications
• Settings
• AI Chat
• AI Hub
• Financial Health and Analyze Tools

Technology Stack

• Backend: Laravel 12 and PHP
• Frontend: Vue 3 and Inertia.js
• Artificial Intelligence: Google Gemini AI
• Payments: Stripe Checkout and Billing Portal
• PDF Generation: DomPDF
• Excel and CSV: Maatwebsite Excel

Why Choose FinanceFlow?

FinanceFlow combines personal finance management, AI-powered insights, investment tracking, financial reporting, and subscription billing in one SaaS platform. It provides a foundation for launching and customizing a personal finance management business.

Features

🤖 AI-Powered Intelligence (Gemini 1.5 Pro)

• Smart Transaction Categorization (99%+ accuracy)
• Balance Forecasting (6-month prediction)
• Portfolio Risk Analysis with diversification scoring
• Fraud & Anomaly Detection (banking-grade)
• Financial Health Audit (360° scoring)
• Subscription Scanner (find hidden charges)
• AI Chat Assistant (context-aware advisor)
• Smart Savings Coach (goal-specific plans)
• Spending Pattern Analysis
• Receipt Scanning & Parsing
• AI-powered Budget Suggestions
• Multi-key rotation for rate limit handling

💳 Subscription & Payments (Stripe)

• 3-Tier Plans: Basic ($9.99/mo), Pro ($29.99/mo), Enterprise ($99.99/yr)
• Stripe Checkout integration
• Stripe Billing Portal (self-service)
• Feature gating based on subscription level
• 7-day free trial support
• Webhook handling for real-time updates
• Admin subscription plan management

📊 Core Finance Features

• Multi-account management (Bank, Cash, Credit Card, Investment, Wallet)
• Transaction tracking with categorization & tags
• Budget planning with AI optimization & progress tracking
• Goal tracking with visual progress & savings contributions
• Debt management with settlement tracking
• Bill reminders with due date email notifications
• Recurring transaction automation
• Investment portfolio tracking (Stocks, Bonds, ETF, Crypto, Real Estate)
• Asset management with periodic valuations
• Vendor management
• Custom categories and tags
• CSV/Excel transaction import

📈 Reports & Analytics

• Income/Expense reports with date filtering
• Category spending breakdown (donut charts)
• Trend analysis with interactive charts
• Net worth tracking over time
• Balance prediction charts
• Export to PDF & CSV/Excel
• ApexCharts interactive visualizations

🔐 Admin Panel (23 Modules)

• User management (view, edit, status)
• Category management (global + user)
• Currency management
• Subscription plan management
• User subscription monitoring
• Transaction oversight
• AI settings configuration
• Activity log viewer
• Financial tips management
• Account, Budget, Goal, Debt, Investment, Asset, Tag, Vendor, Report, Bill Reminder, Recurring Transaction management

🎨 Premium UI/UX

• Modern responsive design (mobile-first)
• Dark/Light mode toggle
• Interactive charts (ApexCharts)
• Premium landing page with testimonials
• PWA support (installable app with shortcuts)
• Real-time SPA updates with Inertia.js
• SweetAlert2 notifications
• Tabler Icons

🔒 Security & Auth

• OTP Email Verification (6-digit with auto-focus)
• Role-based access control (Admin, Customer)
• Subscription-based feature gating middleware
• Activity logging & audit trails

Requirements

• PHP >= 8.2
• MySQL >= 5.7 or MariaDB >= 10.3 or PostgreSQL
• Composer >= 2.0
• Node.js >= 18.0 & npm
• BCMath, Ctype, JSON, OpenSSL, PDO, Tokenizer, XML PHP Extensions
• Required API Keys
  • Stripe — For payment processing & subscriptions (dashboard.stripe.com)
  • Google Gemini AI — For AI features (aistudio.google.com)