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💰 Financial Planner - Your AI-Powered Personal Finance Assistant 🤖

Welcome to the Financial Planner, a key component of the Free Life Planner (FLP) system. This intelligent AI-based tool is designed to help you take control of your personal finances, plan for the future, and achieve your financial goals.

🌟 Features

The Financial Planner offers a wide range of features to assist you in managing your money:

  • 🧠 Intelligent Financial Planning and Reasoning: Leveraging advanced AI techniques, the planner integrates action costs and earning information to generate comprehensive temporal plans for financial prediction and reasoning.

    • ✅ Quickly forecast finances almost indefinitely into the future
    • ✅ Specify recurring transactions
    • ✅ Automatically detect recurring transactions from OFX exports and plan for them (e.g., promiseToPayForSpec('ELEC',andrewDougherty,'',dollars(93.00),[can([1]),not(onTime([3]))]))
    • ✅ Express expected date ranges of transactions using can, neg(onTime), months, date ranges, etc.
    • ✅ Financial reasoning integrated with general planning, adding financial reasoning to life-planning problems

  • 🖥️ Interactive Plan Execution: The intuitive GUI guides you through the execution of your financial plan, checking preconditions, propagating effects, and helping you stay on track.

    • ✅ IEM2 for walking user through plans
    • ✅ Update world state with all effects
    • ✅ Extraction of world state deltas
    • 🚧 [50%] Verify preconditions
    • 🚧 [25%] WebUI for IEM2 (using Mock Perl/Tk objects)
    • 🚧 [75%] SPSE2->PSEx3 export (Planning, Scheduling and Execution System (Extended), version 3)
    • 🚧 [75%] Integrating financial reasoning and other domains, with SPSE's to-do dependency graph

  • 📅 Calendaring and Recurrences: View your predicted transactions, running balances, and upcoming financial events in a clear calendar format. The system also supports programmable recurrences and can detect patterns from your transaction logs.

    • ✅ View expected financial transactions along with primary agenda on a calendar
    • ✅ Calenderical recurrences using CLP (Constraint Logic Programming)
    • ✅ Predicted transactions' date, description, debit or credit and running balance (as a list and chart)
    • ✅ Tell us when we're going to run out of money and how much we need to raise by when
    • ✅ Abduction of recurrences and predicted events from bank statements in OFX or CSV (Open Financial Exchange, Comma-Separated Values)
    • ✅ Text-to-speech alerts for recurrent transactions
    • 🚧 [25%] WebUI for editing financial recurrences

  • 📊 Financial Records and Order Tracking: Automatically extrapolate auto-debits from bank exports, reconcile records with reported purchases, and track the state of your deliveries.

    • ✅ Matching bank records to receipts
    • ✅ Tracking purchases and deliveries
    • 🚧 [50%] Online receipt tracker
    • 🚧 [50%] Brick and mortar receipt tracker
    • 🚧 [10%] Displaying live/real-time bank information
    • 🚧 [20%] Check current account balance automatically

🔮 Planned Features

We're constantly working to improve the Financial Planner. Here are some exciting features in the pipeline:

  • 💸 Cash Flow Analysis and Budgeting: The planner will help you compute a monthly budget and set goals to build up your financial safety buffer.

    • ✅ Help manage cash flow in tight situations
    • 🚧 Budgeting (monthly)
    • 🚧 Automatic creation of fundraising alerts and deadlines to maintain positive balance
    • 🚧 Classifying (OFX) transactions
    • 🚧 Financial reporting
    • 🚧 Regulatory compliance (say, to Social Security rules)
    • 🚧 (Personal) Accounting with XBRL bookkeeping
    • 🚧 Loan and debt tracking/management
    • 🚧 Bill payment subsystem

  • 🧩 Meta-Planning for Contingencies: Advanced planning capabilities will allow the system to develop contingent plans, helping you prepare for various financial scenarios.

    • ✅ Temporal metric planning for finances
    • ✅ Unexpected delays
    • 🚧 Metaplanners help develop contingency plans for different financial problems
    • 🚧 TraCE temporally-contingent (metric) planner integration
    • 🚧 Overcharges and unapproved charges
    • 🚧 Cash flow problems and hardships
    • 🚧 Retrospectively analyze prior predictions to update or correct financial recurrences

  • 🤝 Argumentation-Based Purchase Decisions: The planner will reason about your needs and help you make informed, ethical purchasing decisions that align with your budget and values.

    • 🚧 Purchase Decision Support System / Broker Buy/Sell System
    • 🚧 Oversubscription planning for maximizing utility given a cost bound, when can't accomplish all goals
    • 🚧 [05%] Oversubscription Planning using Sym-Osp
    • 🚧 Argumentation-based PDSS (Purchase Decision Support System)
      • 🚧 Reasoning over user needs
      • 🚧 Critical questions: Is this purchase ethical/necessary/within-budget? The assumption is "do not purchase," which must be soundly defeated to gain permission
      • 🚧 Product and seller comparison
      • 🚧 Payment plan management
    • 🚧 Inventory/pantry Inventory Management integration
    • 🚧 Resource manager (automatic reordering and stock management)

🚀 Getting Started

For more information, please see the Financial Planner section of the FLP Reference Manual: FLP documentation

The financial planner is still being developed, but to start using a very minimal alpha version of the FLP system, follow the instructions present in the Panoply repository.

👥 Contributing

We welcome contributions from the community to help make the Financial Planner even better. If you'd like to contribute, please drop us a message at adougher9@yahoo.com for more information on how to get started.

📜 License

The Financial Planner is part of the Free Life Planner system and is released under the GNU General Public License (GPL). See the LICENSE file for more details.

🆘 Support

If you encounter any issues or have questions about the Financial Planner, please open an issue on our GitHub repository.

Get ready to take control of your financial future soon with FLP's Financial Planner! 🎉