Personal Finance AI Advisor

An AI advisor that can see the whole financial picture.

A personal finance experiment exploring how AI can reason across UK and Dutch bank accounts, investments and pensions — and turn that context into practical ideas for building wealth.

Personal finances are often fragmented across bank accounts, investments and pensions, particularly when someone has financial life in more than one country. The interesting question was whether AI could reason across that information rather than treating each account in isolation.

I built a web and mobile application that brings financial information together and uses an AI advisor to analyze the overall position and suggest ways to improve wealth over time. The application uses Firebase for data and functions, with Cloudflare supporting the frontend, and was built with OpenCode.

The concept is deliberately broader than a chatbot. The advisor can consider the user’s financial context across accounts, investments and pensions, identify patterns and opportunities, and explain suggestions in a way that a person can question and explore.

The hard part of AI products is not simply putting an LLM in front of a database. The value comes from giving the model useful context, defining what it is allowed to reason about, and designing an experience where the human remains in control of financial decisions.

As AI becomes better at reasoning over structured personal data, what happens to traditionally fragmented services? This experiment makes me interested in AI products that act less like assistants you ask questions to and more like systems that understand context and help people think.

OpenCode · Firebase · Cloudflare · Web + Mobile · AI / LLM

I’d explore stronger financial-data ingestion, explainable recommendations, scenario modelling and safeguards around financial advice — while keeping the user firmly responsible for decisions.