Kuber: An AI-Driven Finance Management Solution Integrating Generative LLMs for Personalized Advisory

Abstract: Kuber is a personalized finance management platform that leverages artificial intelligence to deliver tailored financial advice. This paper presents the design and evaluation of Kuber, focusing on its AI-driven advisory engine (using Google’s Gemini model) and finance management methodology. The system collects a user’s financial information – income, expenses, debts, assets, and goals – and generates customized recommendations for budgeting, saving, debt repayment, and investment. Using advanced AI capabilities for data analysis and natural language generation, Kuber bridges the gap between complex financial planning and user-friendly advice. A case study of a 19-year-old user with moderate income and debt is discussed to illustrate how Kuber formulates an optimized plan: the user achieves a 70% savings rate, expedited debt clearance, and guided investments to meet both short-term purchases and long-term growth targets. The results demonstrate that AI-driven personalized advisory can make sound financial planning accessible and effective for individuals.