РОЗУМНЕ ПЛАНУВАННЯ БЮДЖЕТУ ІЗ ВИКОРИСТАННЯМ ШІ: ІННОВАЦІЙНІ ПІДХОДИ В УПРАВЛІННІ ОСОБИСТИМИ ФІНАНСАМИ

As of 2023, approximately 40-45% of people worldwide track their income and expenses, with this number steadily increasing due to technological progress and the growing need for stricter financial control amid global inflation and economic instability. The aim of this research is to explore the application of artificial intelligence in a web-based personal finance management application. Artificial intelligence analyzes users' financial health, tracks income and expense trends over various periods and categories, and provides personalized recommendations for optimizing budgets, building savings, and repaying debts. The web application was developed using the Java programming language and the Spring Framework and integrates the AI to automate the process of financial analysis. The AI evaluates spending patterns, compares them to income, and assesses the user’s financial stability, offering tailored advice based on these insights. In addition to managing finances, savings, and debt, the web application allows users to collaborate with family members through shared financial lists, while also providing detailed statistics and trends. This AI-driven approach makes the application unique, offering dynamic and personalized financial recommendations that significantly enhance its value as a tool for personal finance management. The system represents a significant advancement in the financial field, as no similar solutions currently exist.