In recent years, managing personal finances has become increasingly complex due to rising expenses, diverse income sources, and lack of structured financial planning. Traditional methods such as manual record-keeping and spreadsheets are often inefficient, error-prone, and time-consuming, leading to poor financial decisions. To address these challenges, this paper presents the design and development of a Personal Finance Tracker (PET), a web-based application that automates expense tracking, budgeting, and financial analysis.

The proposed system leverages modern web technologies, including React for the frontend and Flask for the backend, to deliver a responsive and user-friendly interface. The application enables users to record income and expenses, categorize transactions, set budget limits, and receive real-time feedback on their financial status. It incorporates data visualization techniques such as charts and reports to help users better understand spending patterns and make informed decisions.

Additionally, the system integrates intelligent features such as automated expense categorization, budget monitoring, and notification alerts for overspending or upcoming expenses. The use of local storage and secure data handling mechanisms ensures efficient performance and data privacy. Experimental results demonstrate that the system significantly reduces manual effort, improves accuracy in financial tracking, and enhances user engagement.The Personal Finance Tracker serves as a practical and scalable solution for individuals, families, and small businesses, contributing to improved financial literacy and better money management practices. Future