Authors : Soumen Bhowmik; Mohidul Islam; Soumya Ghosh

Volume/Issue : Volume 11 - 2026, Issue 2 - February

Google Scholar : https://tinyurl.com/bdzdjf44

Scribd : https://tinyurl.com/24fd7wh2

DOI : https://doi.org/10.38124/ijisrt/26feb684

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : Personal Finance Management (PFM) systems are tracking systems that help people track their expenses, manage their expenses, build a budget plan, and assist in financial decisions. Traditional PFM tools are mainly based on rule-based mechanisms. In Traditional PFM we put our income and expenses manually, which limits automation and adaptability. In this Artificial Intelligence (AI) era, modern PFM system comes with AI features, which are capable of automating expense categorization, predicting the budget plan, financial forecasting, and personalized recommendations. Machine Learning (ML), Deep Learning (DL), Natural Language Processing (NLP), and Explainable Artificial Intelligence (XAI) are the techniques that are used for analysis to evaluate system performance in terms of accuracy, automation, personalization, transparency, and security.

Keywords : Artificial Intelligence, Machine Learning, Deep Learning, Natural Language Processing, Explainable Artificial Intelligence, Financial Forecasting.

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