Smartlife Ai: An Intelligent, Inflation-aware Personal Finance Management System — Design, Implementation, And A Roadmap Toward Predictive Financial Intelligence

Abstract

Personal Financial Management (PFM) Applications Typically Report Nominal Income, Expenses, And Balances Without Indicating How Inflation Erodes Purchasing Power Or Whether A User Is On Track For Long-term Goals Such As Retirement. This Paper Presents SmartLife AI, A Full-stack, Inflation-aware Personal Finance Platform Built On A React/Next.js Frontend And A Python FastAPI Backend. The Current (Phase 1) Implementation — 32 REST Endpoints Across 19 Database Entities, Validated By 24 Automated Unit Tests — Provides Financialrecord Management, Bank-statement Ingestion With Rule-based Categorization, And Four Deterministic Engines: Inflation, Real Wealth, Life Value, And A Retirement Projection Engine With Accumulation-and-drawdown Simulation, Alongside An FY 2025-26 Indian Income-tax Optimization Engine And A Linear-regression Expenseforecasting Baseline. Every Worked Example In This Paper Is Computed Directly From The Deployed Engines. The Paper Also Specifies The Phase 2 Roadmap — Comparative ARIMA/LSTM Forecasting, A MyScheme-aligned Government-scheme Recommender, A Credit-card Suitability Scorer, And A Gemini-based Advisory Layer — Establishing A Reproducible Baseline For The Completed Half Of The Project And A Falsifiable Specification For The Remainder.

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