Personal Finance Chatbot

An intelligent conversational AI system that provides personalized financial guidance using IBM's Granite AI model.

Features

🤖 AI-Powered Financial Advisor

• Powered by IBM Granite 3.1-1b model
• Personalized financial advice
• Context-aware responses
• Demographic-specific guidance (students vs professionals)

💬 Interactive Chatbot

• Natural language conversations
• Pre-built financial scenarios
• Chat history tracking
• Quick-start scenario buttons

📊 Budget Tracker

• Monthly income and expense tracking
• Visual expense breakdown
• 50/30/20 rule comparison
• Budget analysis and recommendations

💰 Savings Goals

• Goal setting and tracking
• Progress visualization
• Savings projections
• Automated savings tips

📈 Investment Guide

• Investment basics education
• Risk assessment tools
• Portfolio recommendations
• Investment calculator

Financial Scenarios Covered

1. Student Loan Repayment - Guidance for managing and paying off student loans
2. Budget Summary - Help with creating and maintaining budgets
3. Emergency Fund - Building emergency savings step by step
4. Spending Analysis - Identifying and reducing unnecessary expenses
5. Savings Recommendations - Practical savings strategies
6. Financial Stress - Supportive guidance for financial anxiety

Quick Start

Option 1: Using the batch file (Windows)

1. Double-click run_app.bat
2. Wait for installation to complete
3. The app will open in your browser automatically

Option 2: Manual installation

1. Install dependencies:

   pip install -r requirements.txt
   

2. Run the application:

   streamlit run app.py
   

3. Open your browser to http://localhost:8501

Usage

1. Home Page: Overview of features and quick navigation
2. Finance Chatbot:
   • Click "Load AI Model" to initialize the IBM Granite model
   • Use scenario buttons for quick starts
   • Type custom questions in the chat interface
3. Budget Tracker: Input your income and expenses for analysis
4. Savings Goals: Set and track your financial goals
5. Investment Guide: Learn about investing and portfolio allocation

Technologies Used

• Python: Core programming language
• Streamlit: Web application framework
• IBM Granite 3.1-1b: AI model for text generation
• Transformers: Hugging Face library for model integration
• Plotly: Interactive charts and visualizations
• PyTorch: Deep learning framework

Model Information

This application uses IBM's Granite 3.1-1b-a400m-instruct model:

• Lightweight and efficient
• Optimized for instruction following
• Suitable for financial advice generation
• Runs locally for privacy

Notes

• First run may take longer due to model download (~2-3GB)
• Model loading requires adequate RAM (4GB+ recommended)
• Fallback responses available if model fails to load
• All data stays local - no external API calls for chat

Disclaimer

This application provides educational financial information only and should not be considered as professional financial advice. Always consult with qualified financial advisors for important financial decisions.