Good , —
—
🧠
SMART BRIEF
Loading your personalised brief…
🔮 Future Self Projector
PROJECTION
Projected Net Worth
—
Income vs Expenses — Last 6 Months
Spending Breakdown
🚨 Alerts
Recent Transactions
Transactions
Every dirham tracked
Total In
—
Total Out
—
Saved
—
Count
0
PER-COLUMN FILTERS
| Date | Description | Category | Account | Type | Amount | |
|---|---|---|---|---|---|---|
|
|
Loan Calculator
Personal loan, mortgage, car loan, comparison & savings goal
Loan Details
Payment Breakdown
Amortisation Schedule
Chart: ■ Principal ■ Interest
| Mo | Payment | Principal | Interest | Balance | % Paid |
|---|
Budget
Monthly plan vs actual spending
📊 Budget Balance — —
—
Expected Income
—
Actual Income
—
Budgeted Expenses
—
Actual Spent
—
Budget Gap
—
Budget − Actual
Income
Expenses
⚙ Budget Categories
Click + Sub on any parent to add a sub-category · Use ✏ to edit · ✕ to delete
Changes apply immediately to the budget
Copy Budget to Another Month
This copies all budget amounts from — to the month you select below. Existing entries in the target month will be overwritten.
💾 Save as Loan
Creates a new entry in Debt Manager with the values from the calculator. Optionally wire it to ledger accounts so transfers, interest and balances stay reconciled.
Optional linked accounts (recommended)
📥 Liability account — tracks what you owe to the bank
🏦 Asset account — what the loan buys (car, property, etc.)
🧮 Split Yearly Total Across 12 Months
Enter a single yearly amount for one category. It will be divided equally across the selected start month and the 11 months that follow. Existing values in those months are overwritten.
Per-month value: —
Debt Manager
Track, analyze, and eliminate every liability
Total Outstanding
—
Across all debts
Monthly Payments
—
Min. obligations
Debt-to-Income
—
Healthy ≤ 36%
Est. Debt-Free
—
—
Total Interest Burden
—
Debts
Payoff Strategy
Priority Order
🧮 Dynamic Interest Calculator
✦ Change any field — all others recalculate live
Enter this if you know the total bank asks you to repay. The annual interest rate will be derived automatically.
Principal
—
Total Interest
—
Total Paid
—
■ Principal —
—
Interest — ■
Monthly Breakdown
Monthly EMI
—
Principal /mo
—
Interest /mo
—
Savings Goals
Set targets. Track progress. Achieve them.
Total Targets
—
Total Saved
—
Monthly Contributions
—
Financial Statements
Net Worth · Trial Balance · Balance Sheet
NET WORTH
—
—
Total Assets
—
Total Liabilities
—
Assets
Liabilities
Cash Flow Forecast
6-month projection based on your budget
6-Month Projection
| Month | Income | Expenses | Net | Running Balance |
|---|
Projects
Track income & expenses per project — Berlin trip, kitchen remodel, side hustle…
Bill Calendar
Visual month-grid view of every bill and EMI due this month
Overdue
0
Due This Week
0
Monthly Bills
—
—
UAE Gratuity Calculator
Federal Decree Law No. 33 of 2021
Employment Details
Results
Years of Service
—
Daily Wage
—
Gratuity Days
—
Reduction Factor
—
ESTIMATED GRATUITY
—
⚠️ Estimate only. Consult your HR or UAE legal advisor for exact entitlements.
Annual Reports
Full-year analytics from your transaction data
Monthly Income vs Expenses
Month Breakdown
| Month | Income | Expenses | Net | Sav.Rate |
|---|
Spending by Category
Annual Income
—
Annual Expenses
—
Annual Net
—
Avg Savings Rate
—
Financial Health Score
Your personal finance report card
—
out of 100
Pillar Scores
Action Items
Payment Reminders
Visual month view of every upcoming and overdue payment
Overdue
0
Due This Week
0
Due This Month
0
—
Settings
Currencies, accounts, categories, profile
👤 Profile
💱 Currencies
🏦 Accounts
📂 Categories
🔖 Tags
📒 COA
💾 Data
☁ Cloud Sources
Help ❓
🔑 Security
Change the password you use to sign in.
About & Updates
Version info, social links & update subscription
🏦
Personal Finances OS
by AI Finance Academy · Mohannad Hamwi
v3.1
PRO
UAE-focused · AED-first
🌐 Connect With Us
⭐ Upgrade to Pro
Unlock unlimited transactions, all 7 modules, Islamic finance, annual reports, and more.
14-day free trial · Cancel anytime · No card required
📋 What's New in v3.1
v3.1
March 2026
✅ Edit any transaction, reminder, goal, account or category
✅ Sub-accounts with automatic balance rollup
✅ Annual budget: per-month copy & clear with confirmation modal
✅ 5-level nested categories with recursive budget sums
✅ Custom currency picker with floating panel
✅ About page with subscription & social links
💡 Our Mission
AI Finance Academy was built on one belief: UAE professionals deserve financial tools built for their reality — AED salaries, DEWA bills, car loans, gratuity entitlements, and the unique journey of building wealth as an expat.
Personal Finances OS is 100% private. Your data never leaves your device. No subscription. No tracking. Just a powerful tool that works for you.
Questions or feature requests? Email us or leave a comment on YouTube.
Personal Finances OS is 100% private. Your data never leaves your device. No subscription. No tracking. Just a powerful tool that works for you.
Questions or feature requests? Email us or leave a comment on YouTube.
© 2026 AI Finance Academy · All rights reserved