FinanceFlow is a premium, production-ready personal finance management SaaS application built with Laravel 12, Vue 3, Inertia.js, and powered by Google Gemini AI. It delivers a full-stack subscription-based platform with 32 database models, 39 migrations, 26 customer controllers, and 23 admin controllers — everything you need to launch a monetizable finance SaaS business.

Users can manage multiple financial accounts (Bank, Cash, Credit Card, Investment, Wallet), track transactions with smart AI-powered categorization, plan budgets with AI optimization, set savings goals, manage debts, monitor investments across Stocks, Bonds, ETFs, Crypto, and Real Estate, and receive intelligent financial advice from the built-in Gemini AI chatbot that uses their real financial data for context-aware responses.

11 AI-Powered Features (Gemini 1.5 Pro/Flash)

The AI engine is the heart of FinanceFlow. It includes Smart Transaction Categorization with 99%+ accuracy, 6-Month Balance Forecasting, Portfolio Risk Analysis with institutional-grade diversification scoring, Fraud & Anomaly Detection for duplicate charges and suspicious patterns, a 360° Financial Health Audit scoring savings, debt ratios, and investment diversity, a Subscription Scanner that finds hidden recurring charges, a Smart Savings Coach with goal-specific action plans, Spending Pattern Analysis, Receipt Scanning & Parsing, and AI-Powered Budget Suggestions. The system supports multiple API keys with automatic rotation when rate limits are hit — essential for production environments.

Complete Stripe Subscription System

FinanceFlow ships with a fully integrated 3-tier Stripe subscription system — Basic ($9.99/mo), Pro ($29.99/mo), and Enterprise ($99.99/yr). It includes Stripe Checkout for secure payments, Stripe Billing Portal for self-service subscription management, webhook handling for real-time payment events, feature gating that restricts access based on plan level, and 7-day free trial support. The admin panel lets you manage plans, monitor subscriptions, and track revenue.

Comprehensive Financial Management

Every financial tool a user needs is built in: Multi-account management with 5 account types, transaction tracking with categories, tags, vendor linking, and receipt attachments, budget planning with progress bars and AI-suggested optimizations, goal tracking with savings contributions and visual progress, debt management with settlement tracking and payoff strategies, bill reminders with due date email notifications, recurring transaction automation for subscriptions and regular payments, investment portfolio tracking across 5 asset classes with gain/loss calculations, asset management with periodic valuations, and vendor management for organizing merchants.

Advanced Reports & Data Export

Generate income vs. expense reports with date range filtering, category spending breakdowns with interactive donut charts, trend analysis with line and bar charts, net worth tracking over time, and balance prediction charts. Export everything to PDF (via DomPDF) or CSV/Excel (via Maatwebsite Excel). Import transactions from CSV/Excel files for quick data migration.

Full Admin Panel (23 Modules)

The admin dashboard provides complete platform control with dedicated modules for Users, Categories (global & user-specific), Currencies, Subscription Plans, User Subscriptions, Transactions, Accounts, Budgets, Goals, Debts, Bill Reminders, Recurring Transactions, Investments, Assets, Tags, Vendors, Reports, AI Settings, AI Chat, Financial Tips, Activity Logs, and Profile Management. The admin dashboard shows key metrics including total users, revenue, active subscriptions, and financial summaries.

Customer Dashboard (19 Modules)

Users get a feature-rich dashboard with financial overview charts, income vs. expense visualizations, category spending breakdowns, AI insights integration, quick stats grid, goals progress tracking, upcoming bills, balance prediction charts, and recent transactions. Each module — Accounts, Transactions, Budgets, Goals, Debts, Bills, Recurring, Investments, Assets, Categories, Tags, Vendors, Reports, Notifications, Settings, AI Chat, AI Hub, Financial Health, and Analyze — has its own dedicated interface.

🤖 AI-Powered Intelligence (Gemini 1.5 Pro)

• Smart Transaction Categorization (99%+ accuracy)
• Balance Forecasting (6-month prediction)
• Portfolio Risk Analysis with diversification scoring
• Fraud & Anomaly Detection (banking-grade)
• Financial Health Audit (360° scoring)
• Subscription Scanner (find hidden charges)
• AI Chat Assistant (context-aware advisor)
• Smart Savings Coach (goal-specific plans)
• Spending Pattern Analysis
• Receipt Scanning & Parsing
• AI-powered Budget Suggestions
• Multi-key rotation for rate limit handling

💳 Subscription & Payments (Stripe)

• 3-Tier Plans: Basic ($9.99/mo), Pro ($29.99/mo), Enterprise ($99.99/yr)
• Stripe Checkout integration
• Stripe Billing Portal (self-service)
• Feature gating based on subscription level
• 7-day free trial support
• Webhook handling for real-time updates
• Admin subscription plan management

📊 Core Finance Features

• Multi-account management (Bank, Cash, Credit Card, Investment, Wallet)
• Transaction tracking with categorization & tags
• Budget planning with AI optimization & progress tracking
• Goal tracking with visual progress & savings contributions
• Debt management with settlement tracking
• Bill reminders with due date email notifications
• Recurring transaction automation
• Investment portfolio tracking (Stocks, Bonds, ETF, Crypto, Real Estate)
• Asset management with periodic valuations
• Vendor management
• Custom categories and tags
• CSV/Excel transaction import

📈 Reports & Analytics

• Income/Expense reports with date filtering
• Category spending breakdown (donut charts)
• Trend analysis with interactive charts
• Net worth tracking over time
• Balance prediction charts
• Export to PDF & CSV/Excel
• ApexCharts interactive visualizations

🔐 Admin Panel (23 Modules)

• User management (view, edit, status)
• Category management (global + user)
• Currency management
• Subscription plan management
• User subscription monitoring
• Transaction oversight
• AI settings configuration
• Activity log viewer
• Financial tips management
• Account, Budget, Goal, Debt, Investment, Asset, Tag, Vendor, Report, Bill Reminder, Recurring Transaction management

🎨 Premium UI/UX

• Modern responsive design (mobile-first)
• Dark/Light mode toggle
• Interactive charts (ApexCharts)
• Premium landing page with testimonials
• PWA support (installable app with shortcuts)
• Real-time SPA updates with Inertia.js
• SweetAlert2 notifications
• Tabler Icons

🔒 Security & Auth

• OTP Email Verification (6-digit with auto-focus)
• Role-based access control (Admin, Customer)
• Subscription-based feature gating middleware
• Activity logging & audit trails

• PHP >= 8.2
• MySQL >= 5.7 or MariaDB >= 10.3 or PostgreSQL
• Composer >= 2.0
• Node.js >= 18.0 & npm
• BCMath, Ctype, JSON, OpenSSL, PDO, Tokenizer, XML PHP Extensions
• Required API Keys

  
  

  • Stripe — For payment processing & subscriptions (dashboard.stripe.com)
  • Google Gemini AI — For AI features (aistudio.google.com)