MoneyMate

anjaneya-sharma-1/MoneyMate

3.1

If you are the rightful owner of MoneyMate and would like to certify it and/or have it hosted online, please leave a comment on the right or send an email to henry@mcphub.com.

MoneyMate is an AI-powered personal finance assistant designed to simplify and enhance personal finance management through MCP integration and WhatsApp connectivity.

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MoneyMate: AI-Powered Personal Finance Assistant

MoneyMate is an innovative suite of AI-driven tools designed to revolutionize personal finance management. Built with MCP (Modular Capability Provider) integration and WhatsApp connectivity, this project provides comprehensive financial tracking, analysis, and intelligent insights to help users achieve their financial goals.

🚀 Key Features

MoneyMate provides 15 specialized finance tools, each designed to address specific aspects of personal finance management:

🔐 User Management

  • User Registration & Authentication: Secure user accounts with password hashing and WhatsApp number linking
  • Session Management: Secure user context for all financial operations

💰 Expense Management

  • Expense Logger: Track daily expenses with categorization and payment method tracking
  • Bill OCR Parser: Automatically extract expense details from bill images/PDFs using AI
  • Monthly Summary: Comprehensive spending analysis with trends and insights
  • Expense Anomaly Detector: AI-powered detection of unusual spending patterns

📊 Budget & Planning

  • Budget Planner: Set and manage budgets across categories and time periods
  • Affordability Checker: Smart analysis of whether purchases fit within budget and goals
  • Recurring Expense Manager: Track subscriptions and recurring payments with reminders

📈 Investment & Portfolio

  • Zerodha Portfolio Fetcher: Live portfolio data and P&L tracking
  • Zerodha Order Placer: Execute buy/sell orders through Zerodha API
  • Investment Summary: Comprehensive net worth including all assets and investments

🎯 Goals & Savings

  • Savings Goal Tracker: Set, track, and achieve financial goals with motivation
  • Budget Question Answerer: Natural language financial queries with AI-powered responses

🔔 Smart Notifications

  • Alert Notifier: Intelligent alerts for budget limits, market changes, and goal progress

💡 Why MoneyMate?

In today's complex financial landscape, MoneyMate combines cutting-edge AI with practical tools to:

  • Simplify Finance: Automate expense tracking and categorization
  • Provide Insights: AI-powered analysis of spending patterns and trends
  • Enable Smart Decisions: Affordability checks and budget recommendations
  • Track Progress: Visual progress tracking for savings and investment goals
  • Stay Informed: Real-time alerts and notifications for important financial events

🏗️ Project Structure

MoneyMate/
├── mcp-bearer-token/
│   ├── mcp_starter.py          # Main MCP server with all finance tools
│   └── tools/                  # Individual finance tool implementations
│       ├── register_user.py    # User registration and authentication
│       ├── login_user.py       # User login and session management
│       ├── expense_logger.py   # Expense tracking and logging
│       ├── bill_ocr_parser.py  # AI-powered bill parsing
│       ├── monthly_summary.py  # Spending analysis and insights
│       ├── budget_planner.py   # Budget setting and management
│       ├── affordability_checker.py # Purchase affordability analysis
│       ├── zerodha_portfolio_fetcher.py # Portfolio tracking
│       ├── zerodha_order_placer.py # Trading execution
│       ├── investment_summary.py # Net worth calculation
│       ├── savings_goal_tracker.py # Goal tracking
│       ├── expense_anomaly_detector.py # Spending pattern analysis
│       ├── recurring_expense_manager.py # Subscription tracking
│       ├── budget_question_answerer.py # AI financial advisor
│       └── alert_notifier.py   # Smart notifications
├── requirements.txt             # Python dependencies
├── pyproject.toml              # Project configuration
└── README.md                   # This file

🛠️ Installation and Setup

Prerequisites

  • Python 3.11 or higher
  • WhatsApp Business API access (for notifications)
  • Zerodha API credentials (for trading features)
  • Groq API key (for AI-powered features)

1. Clone the Repository

git clone https://github.com/yourusername/moneymate.git
cd moneymate

2. Install Dependencies

# Create virtual environment
python -m venv venv
source venv/bin/activate  # On Windows: venv\Scripts\activate

# Install packages
pip install -r requirements.txt

3. Configure Environment Variables

Create a .env file in the root directory:

# MCP Server Configuration
AUTH_TOKEN=your_auth_token_for_mcp
MY_NUMBER=your_whatsapp_validation_number

# AI Services
GROQ_API_KEY=your_groq_api_key

# Zerodha Trading API
ZERODHA_API_KEY=your_zerodha_api_key
ZERODHA_SECRET=your_zerodha_secret
ZERODHA_USER_ID=your_zerodha_user_id
ZERODHA_PASSWORD=your_zerodha_password
ZERODHA_PIN=your_zerodha_pin

# Optional APIs
GOOGLE_API_KEY=your_google_api_key
TAVILY_API_KEY=your_tavily_api_key

4. Run the Server

cd mcp-bearer-token
python mcp_starter.py

The server starts on http://0.0.0.0:8086 with all finance tools registered and ready.

📱 Usage Examples

User Registration

# Register new user
await register_user(
    username="john_doe",
    password="secure_password123",
    whatsapp_number="+919876543210"
)

Expense Tracking

# Log an expense
await expense_logger(
    user_id="user_123",
    amount=850.00,
    category="food",
    description="Restaurant dinner",
    date="2024-01-15",
    payment_method="credit_card"
)

# Parse bill image
await bill_ocr_parser(
    user_id="user_123",
    image_data="base64_encoded_image",
    description="Lunch receipt"
)

Budget Management

# Set monthly budget
await budget_planner(
    user_id="user_123",
    category="food",
    amount=5000.00,
    period="monthly"
)

# Check affordability
await affordability_checker(
    user_id="user_123",
    purchase_amount=2500.00,
    category="electronics",
    urgency="medium"
)

Portfolio Management

# Fetch portfolio
await zerodha_portfolio_fetcher(user_id="user_123")

# Place trade order
await zerodha_order_placer(
    user_id="user_123",
    symbol="RELIANCE",
    quantity=10,
    order_type="BUY",
    price=2500.00,
    order_variety="LIMIT"
)

🔧 API Integration

MCP Server

MoneyMate runs as an MCP server, exposing all tools via a RESTful API that can be integrated with:

  • Puch AI or other AI platforms
  • Mobile applications
  • Web dashboards
  • Third-party financial services

WhatsApp Integration

  • Automatic bill parsing from image messages
  • Real-time financial alerts and notifications
  • Interactive financial queries and responses

Database

  • SQLite database for local data storage
  • User authentication and session management
  • Comprehensive financial data tracking

🌟 Key Benefits

  1. AI-Powered Insights: Leverage Groq AI for intelligent financial analysis
  2. Automated Tracking: OCR-based bill parsing and expense categorization
  3. Smart Budgeting: AI-driven budget recommendations and affordability checks
  4. Portfolio Management: Real-time investment tracking and trading capabilities
  5. Goal Achievement: Visual progress tracking and motivational insights
  6. Security: Secure user authentication and data privacy
  7. Scalability: MCP architecture for easy integration and expansion

🚧 Current Status

  • ✅ Core finance tools implemented
  • ✅ MCP server integration complete
  • ✅ Database schema and user management
  • ✅ AI-powered analysis and insights
  • 🔄 WhatsApp integration (simulated)
  • 🔄 Zerodha API integration (simulated)

🔮 Future Enhancements

  • Real-time Market Data: Live stock prices and market updates
  • Advanced Analytics: Machine learning for spending predictions
  • Tax Optimization: Automated tax planning and optimization
  • Multi-currency Support: International finance management
  • Mobile App: Native mobile application
  • API Marketplace: Third-party financial service integrations

🤝 Contributing

We welcome contributions! Please see our contributing guidelines for:

  • Code style and standards
  • Testing requirements
  • Documentation updates
  • Feature requests and bug reports

📄 License

MIT License - see LICENSE file for details.

📞 Support

  • GitHub Issues: For bug reports and feature requests
  • Documentation: Comprehensive API documentation
  • Community: Join our Discord/Telegram for discussions

🙏 Acknowledgments

  • Built with FastMCP for seamless MCP integration
  • Powered by Groq AI for intelligent financial insights
  • Integrated with Zerodha for Indian market trading
  • WhatsApp Business API for user communication

MoneyMate - Your AI-powered financial companion for smarter money management! 💰✨