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@article{199118,
        author = {Devulapally Sriharsha and Dr. P. Sandhya and Udbhav Reddy Lodugu and Madhiha},
        title = {SmartSpend AI},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {11615-11621},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=199118},
        abstract = {In the digital age, managing personal finances has grown more complicated because of more online transactions, subscription services, and different ways to spend money. Traditional budgeting tools only track expenses and do not provide useful insights. This gap leads to ineffective financial planning and inadequate saving habits. SmartSpend AI is a personal expense intelligence system that uses AI to examine user spending patterns, forecast future costs, identify unusual transactions, and offer tailored saving suggestions. By combining machine learning with financial behavior analysis, the system turns raw transaction data into practical financial insights. The proposed system employs classification and regression techniques to categorize expenses, forecast spending trends, and generate budget optimization suggestions. Experimental evaluation demonstrates improved spending awareness, anomaly detection accuracy, and enhanced financial decision-making capability. SmartSpend AI bridges the gap between passive expense tracking and proactive financial planning.},
        keywords = {Artificial Intelligence, Personal Finance Management, Expense Categorization, Financial Pattern Recognition, Budget Optimization, Anomaly Detection.},
        month = {April},
        }