AI Driven Personal Finance Management System A Survey

Artificial intelligence is significantly reshaping financial management, enabling new levels of automation, personalization, and predictive insight for both individuals and organizations. As digital financial services expand, AI-driven tools are increasingly used for budgeting, investment management, risk assessment, and tracking financial goals. This paper explores the convergence of AI and financial technology by reviewing recent research, core functionalities, and real-world implementations. The analysis identifies major challenges like data privacy, algorithmic bias, integration complexity, and ethical considerations, which must be addressed for responsible adoption. While AI offers significant benefits in efficiency and user empowerment, the future of personal finance management will depend on advancing transparency, security, and inclusivity to ensure these systems are both effective and reliable.