IntelliSpend
AI-powered personal finance platform
The problem: most budgeting apps show you a number and hope you trust it. IntelliSpend computes every balance live, from the transaction ledger, every time — nothing cached, nothing that can silently drift from reality.




What it does
- ✓Multi-ledger accounting across accounts, transactions, transfers
- ✓Real-time computed balances (never stored/cached)
- ✓AI financial advisor — grounded in live account data, 30-day transaction history, and pending bills
- ✓Recurring bills & reminder engine
- ✓JWT-authenticated, responsive dashboard
Tech stack
Architecture
User → Next.js Frontend → FastAPI REST API → PostgreSQL (Neon)
OpenRouter (GPT-4o-mini) — AI Advisor
The hard part
Keeping balances accurate across multiple ledgers without caching meant every dashboard load recomputes from the raw transaction log — fast enough to feel instant, correct enough to trust. The AI advisor needed the same discipline: it only answers from data injected at request time — live balances, recent transactions, pending bills — never from memory, so it can't hallucinate a number that isn't real.


