OnlyFinances.ai

Inspiration

One of our teammates, Joseph, worked at a local Japanese restaurant in Ajax and often noticed his manager manually calculating and writing down his business expenses and incomes. It was a mess, papers scattered everywhere, and one hand writing down values while the other hand writes down numbers. Not only that, but it sufficiently decreased his work flow, time he could've used to help out staff during rush hours.

The team realized that while "OnlyFans" empowers creators, "OnlyFinances" empowers everyone to take control of their wealth.

The inspiration for OnlyFinances.ai came from a mix of frustration and a pun. We noticed that while there are countless apps for spending money, there are very few that actually help you manage it intelligently. Most budgeting apps are just glorified spreadsheets, they tell you what you spent, but not what to do about it.

Small business owners frustrations with how they can manage variable cash flow as they don't always have steady revenue and expenses.

What it does

The Financial Dashboard:

Instant Clarity: As soon as you log in, you get a high-level view of your financial health. It aggregates your spending into an interactive Spending Pie Chart and Monthly Trend graph. Recurring Expense Detection: The AI automatically scans your history to identify subscriptions (Netflix, Spotify, Gym) and recurring bills, isolating them so you can see exactly how much of your paycheck is spoken for before you even wake up.

Metric Cards: Real-time counters for "Total Spent," "Transaction Volume," and your "Top Spending Category," giving you a pulse check in seconds.

Automated Transaction Classifier: Upload a messy CSV of either a balance sheet, income statement, Transaction statement and auto categorize everything using the JSON structure.

AI financial Advisor: A conversational AI (powered by Gemini 2.5 Flash) that knows your financial history. You can ask it customized questions like "Where is majority of my revenue loss and How can I avert this." It even features Voice Mode (via ElevenLabs) so you can Listen to the Advisor for what it has to say.

Stress Testing AI Advisor: A unique feature where the AI simulates adverse scenarios, like "Revenue Loss," "Market Crash," or "Expense Surplus", against your actual financial data to see how long your runway is.

Income Statement Analysis: It generates professional-grade income statements to show your true Net Income, differentiating between simple cash flow and actual profitability.

The Cash Flow Forecaster & Calendar:

95% Confidence Projections: We don't just guess next month's balance; we calculate it. Our forecasting engine analyzes your historical daily spending patterns (e.g., you spend more on weekends) to generate a 90-Day Probabilistic Forecast. Visual Runway: It calculates your "Financial Runway" (how many months you can survive without income) and "Safety Buffer" (your projected lowest balance). Forecast Calendar: A beautiful, interactive calendar that color-codes days based on cash flow. You can click on future dates to see predicted expenses vs. income, helping you avoid overdrafts before they happen.

The Balance Sheet (Net Worth) Valuator:

Accounting Equation Visualizer: Most people don't know that Assets = Liabilities + Equity. Our interactive visualizer proves it, showing exactly how much of your "stuff" you actually own vs. how much the bank owns. Real-Time Net Worth: It calculates your true equity by subtracting liabilities (Credit Cards, Loans) from your assets (Cash, Investments), giving you a professional-grade Balance Sheet usually reserved for corporations.

Report Generation: One-click PDF export of your financial health for loans, taxes, or personal archiving.

How we built it

Frontend: We used React and Vite for a blazing-fast user experience, styled with Tailwind CSS to create a premium, "dark mode" aesthetic that makes looking at finances less stressful. We used Recharts for the interactive data visualizations.

Backend: The core logic runs on Python FastAPI. Python was the obvious choice for financial data processing.

Deployment: The Backend is containerized and deployed on Render, ensuring it's accessible from anywhere.

AI & Logic: We leveraged the Google Gemini API to integrate the Gemini 2.5 Flash model directly into our backend. This allowed us to programmatically feed the LLM real-time financial data and receive structured, personalized advice for our users, rather than generic text responses.

Database: We utilized Firebase Firestore to store user chat history and financial contexts, allowing the conversation to persist across sessions.

Challenges we ran into

The "CSV Hell": Every bank formats their CSV export differently. Some put dates first, some put amounts in different columns. Building a universal parser that could intelligently identify and clean this data was a massive headache. We ended up building a flexible schema mapper to solve this.

Context Window Limits: We wanted the AI to know everything about your spending, but feeding thousands of transactions into a prompt hits token limits fast. We had to devise a summarization strategy where we feed the AI high-level aggregations (Monthly Spending, Top Categories) rather than raw rows.

Prompt Engineering for Safety: Financial advice is sensitive. We spent a lot of time "jailbreaking" our own bot to ensure it wouldn't give dangerous advice, tuning the system prompts to be conservative and helpful similar to a real fiduciary.

What we learned

Financial Literacy: We learned the hard way about the difference between "Cash Flow" and "Net Income," and how to properly balance a ledger.

AI Integration: We learned that "faster is better" for chat interactions. Moving from Gemini Pro to Gemini Flash significantly improved the user experience because financial advice needs to feel conversational, not like a waiting game.

Data Privacy: We learned how to handle sensitive user data (financial records) by ensuring we don't store raw transaction data permanently on our servers, processing it in-memory where possible.

What's next for OnlyFinances.ai

Plaid Integration: Currently, we rely on CSV uploads. The next step is integrating Plaid for real-time, live bank feeds. Mobile App: We want to port the React code to React Native so users can get push notifications about their budget. Investment Portfolio Tracking: Expanding beyond cash/spending to track stocks and crypto assets in real-time. Multi-User "Family Mode": Allowing couples to merge their finances and plan together.