Cashtrack

CashTrack is a next-generation, fully automated expense tracking app built for students who want to stay financially aware without lifting a finger. Unlike traditional budgeting tools, CashTrack uses machine learning (ML) to automatically detect every payment made through UPI, net banking, cards, or wallets, and even identifies the purpose of the transaction — whether it’s food, essentials, travel, or entertainment. With this no-touch automation, students don’t have to open the app at all; expenses are tracked, categorized, and visualized in real time with zero manual effort. But CashTrack isn’t just an expense log — it’s a complete student finance and engagement ecosystem. The app integrates Splitwise-style functionality, allowing users to create groups, maintain friend lists, and chat directly inside the app. Whether it’s sharing rent, splitting bills after a night out, or managing college trip expenses, CashTrack makes group payments effortless and transparent. To make personal finance engaging, CashTrack introduces games and challenges designed specifically for students. Users can participate in fun savings challenges, compete with friends on spending goals, and unlock in-app rewards or badges. Within college campuses, CashTrack aims to make financial awareness social and gamified, turning money management into something collaborative and fun rather than boring and stressful. Adding to this playful experience is the mascot-based personality system — an interactive digital companion that adapts to the user’s spending style. Your mascot evolves as your habits improve, acting as both a motivator and a reflection of your financial journey. It’s finance with a touch of personality — literally. Beyond engagement, CashTrack offers powerful intelligence. The app features an AI-driven financial assistant that provides personalized guidance based on a user’s spending data. This assistant helps students understand where their money goes, sets realistic goals, and gives small, actionable insights to develop healthy financial habits. Complementing this, CashTrack includes Financial Learning Cards — bite-sized, interactive content modules that teach students about savings, investing, and digital finance in simple, engaging formats. The app’s future roadmap goes even deeper into financial literacy and inclusion. CashTrack plans to integrate microinsurance schemes to help students learn about risk management with real but tiny amounts of money. This hands-on learning approach encourages students to experience how insurance, saving, and investing work in the real world — preparing them for long-term financial independence. Perhaps the most innovative element of CashTrack is its Spending Psychology Engine — an AI-powered behavioral analysis system that studies a student’s spending patterns across time. By evaluating multiple contextual factors such as time, mood, category, and frequency, the engine generates meaningful insights into why users spend the way they do. It helps students understand their emotional and behavioral triggers for spending — all while maintaining strict data privacy. The insights are generated locally and anonymized, ensuring that user data remains private, secure, and encrypted at all times. Technically, CashTrack stands on a modular and scalable Flutter architecture, structured into Core, Data, Domain, and Presentation layers for clarity and maintainability. Transactions are stored using Hive local storage, ensuring fast, encrypted access without depending on external servers. For multi-user support, CashTrack dynamically creates separate Hive boxes for each Gmail sign-in, maintaining clean isolation between accounts. Its AES-based encryption ensures every bit of financial information remains confidential and secure. The app’s UI is built for students — clean, fast, colorful, and modern. With light and dark themes, smooth transitions, and accessible design, it feels both fun and professional. The dashboard offers detailed analytics with interactive charts, monthly summaries, and PDF export features, making it perfect for those who want to visualize their budget trends effortlessly. Ultimately, CashTrack is more than a tracker — it’s a smart financial companion that evolves with its users. By combining automation, gamification, AI, education, and behavioral analysis, CashTrack redefines what expense tracking can be for the next generation. It’s built to make financial literacy exciting, interactive, and intuitive — one transaction at a time. With CashTrack, finance becomes fun, intelligent, and completely automatic — turning every payment into an opportunity to learn, grow, and play smarter with money. At current stage, we have built a MVP and soon going to launch it on play store for user reviews and testing. We have presented Cashtrack at Microsoft Hyderabad, India office as a part of final stage hackathon and also won first prize in College HULT prize competition.

We are a team of 3 students from India, who faced and observed the lack financial literacy and management among students and decided to solve it. Team Leader: Name: Yashraj Sakunde College: Manipal Institute of Technology Email: yashrajsakunde@gmail.com Team Member 2: Name: Rishit Kumar College: Manipal Institute of Technology Team Member 3: Name: Aditanshu Sahu College: Manipal Institute of Technology