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@article{205057,
        author = {Sakshi Rhataval and Aarya Birange and Pratiksha Mokashi and SHrutika Antad and Mrunali Patil},
        title = {A Smart Financial Advisory System Using AI for Budgeting and Savings Optimization},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {1},
        pages = {5352-5357},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=205057},
        abstract = {Managing personal finances effectively is a challenge for many individuals due to unplanned expenses and limited financial awareness. This project presents a smart personal finance management system developed to help users track expenses, monitor savings, and achieve financial goals. The system records user transactions, categorizes spending patterns, and provides personalized recommendations for better financial planning. By analyzing financial data, Smart Financial Advisory System Using AI for Budgeting and Savings Optimization enables users to identify unnecessary expenditures and improve saving habits. The platform offers features such as expense tracking, budget management, savings goal monitoring, and financial insights through an easy-to-use interface. The proposed system aims to promote financial discipline and assist users in making informed financial decisions. The results demonstrate that Smart Financial Advisory System Using AI for Budgeting and Savings Optimization can serve as an effective tool for enhancing personal financial management and encouraging long-term savings behavior.},
        keywords = {Personal Finance, Expense Tracking, Savings Management, Artificial Intelligence, Budget Planning, Financial Analytics.},
        month = {June},
        }