PF Tracker

Landing Page
Home Page
Categories Managing
Transactions
Cards Managing
Adding card form
Subcriptions Managing
AI Assistant
Architecture

Inspiration

In our modern economy, people often own numerous bank accounts and cards. Although this gives more options, the sheer volume makes managing personal finances difficult. Many people struggle to track spending and avoid unnecessary payment. Therefore, we want to build an application that helps users easily track their money flow with real-time transactions, manage their outcome with category-based budgeting, and AI-powered recommendations. Our goal is to make financial management accessible and actionable.

What it does

PF Tracker is a personal finance management platform that helps users:

Track Transactions: View all transactions across multiple accounts with filtering
Category-Based Budgeting: Set monthly budgets for categories and track spending with visual progress indicators
Card Management: Manage multiple credit/debit cards with balance tracking and account details
Subscription Management: Track subscriptions with renewal reminders and unsubscribe options
AI Financial Assistant: Get insights and recommendations using Gemini AI

How we built it

We built our application using React for a dynamic and responsive frontend experience. For our backend, we chose Node.js with Express.js to create a RESTful API that securely manages user data. We integrated MongoDB with Mongoose to store transactions, budgets, cards, and subscriptions, with flexible schema handling to support different data structures. We integrated Auth0 with 2-step verification to handle authentication, enhancing users’ privacy. The core intelligent feature of our platform is powered by the Gemini API, which analyzes financial data to provide users with actionable insights and recommendations through our AI assistant.

Aplication flow

User Authentication Flow:

User → Auth0 Login → Auth0 2-Step Verification → Auth0 Callback → Email Check → Backend → MongoDB → Authorized Access

Data flow:

Input data → api.js → Backend → MongoDB → Normalize Data → Return to display in frontend

AI Chat Flow:

User Message → Backend → Fetch User Transactions → Google Gemini API → AI Response → Frontend Display

Challenges we ran into

One major challenge was integrating real bank account data. Most bank APIs require extensive verification, partnerships, or paid subscriptions. We also faced issues with data structure complexity—different banks return data in different formats, requiring flexible normalization. However, after finding an efficient way to convert each bank’s transactions into general form, we were able to solve this.

Accomplishments that we're proud of

We're proud of the privacy and efficiency of our application. With Auth0's 2-step verification, user financial data is protected with enterprise-grade authentication. The application also offers multiple ways to improve financial outcomes—from budget tracking with progress indicators to AI recommendations—helping users make better financial decisions and take control of their money.

What's next for PF Tracker

Credit Score Monitoring: Integration with credit score APIs.
Multi-Currency Support: For international users or foreign transactions.
Expense Anomaly Detection: Flag unusualy spending patterns and deavtivate credit card if necessary.