Smart Budget Tracker: A Fully Client-Side Progressive Web Application for Unified Personal Finance, Loan and Credit-Card Management

G. Vamsi1, Adari Prudhvija2

1Assistant Professor, Department of Computer Applications,

2MCA Final Semester, Master of Computer Applications

Sanketika Vidya Parishad Engineering College, Visakhapatnam, Andhra Pradesh, India

gvkrishna2002@gmail.com, prudhvijaadari@gmail.com

Abstract— Individuals increasingly need to track everyday spending, multi-year loan repayment, and revolving credit-card obligations at the same time, yet most consumer tools address only one of these concerns or require a paid account tied to a remote server. This paper presents Smart Budget Tracker, a personal finance management system implemented entirely as a client-side web application using HTML5, CSS3 and vanilla JavaScript, requiring no backend server or user account. The system unifies four transaction wallets (personal, online/business, loan and credit card) under a single data model, and layers on top an EMI amortisation and prepayment-simulation engine, a credit-card billing-cycle tracker, a group split-expense settlement module, a rule-based budget-alert and savings-goal engine, and an optical-character-recognition (OCR) receipt-scanning pipeline built on Tesseract.js. All data is persisted locally via the Web Storage API, and the application is packaged as an installable, offline-capable Progressive Web App using a dynamically generated manifest and service worker. Functional validation confirmed correct computation of loan health scores, card cycle balances, and split settlements across representative test scenarios, showing that a feature-rich, multi-domain financial-management tool can be delivered without server infrastructure.

Keywords— Personal finance management, Progressive Web Application, client-side storage, loan amortization, OCR receipt scanning, JavaScript.