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Author(s):

Manoj Bharathi S | Sudharsan S | Mohamed Afsal J
Keywords:

AI In Finance, Credit Risk, Financial Independence (FIRE), Investment Planning.
Abstract:
The AI-Based Personal Finance Besides Investment Planning System Operates As A Working Prototype Designed To Enhance The Detection Of Individual Credit Risk And Support Long-term Solvency Through An Automated Financial Structure. While Traditional Credit Models Often Fail To Measure How A Single Person Withstands Financial Stress, This System Addresses That Gap By Processing Raw User Data Including Income, Expenditures, Savings, And Risk Appetite. The Program Generates A Comprehensive Financial Health Score (0–100) And Calculates The Specific "FIRE" (Financial Independence, Retire Early) Target Sum Required For Early Retirement. It Further Categorizes User Pathssuch As Lean, Fat, Barista, Or Coastand Identifies Critical Gaps In Insurance Coverage And Emergency Fund Adequacy. By Utilizing A Transparent, Logic-driven Recommendation Engine, The Tool Provides Evidence-based Prompts That Curb Personal Credit Risk And Guide Users Toward Sustainable Wealth Growth.