The Hybrid AI-Based Financial Risk and Wealth Growth Prediction System is an intelligent financial analytics platform designed to assess individual financial risk and provide optimized savings recommendations. The system integrates multiple machine learning models including Logistic Regression, Random Forest, XGBoost, LightGBM, and an Ensemble Voting Classifier to enhance predictive performance and reliability. User financial inputs such as income, expenses, savings goals, and demographic factors are processed to compute derived indicators like disposable income and savings gap. The system predicts financial risk probability and dynamically generates optimization-based recommendations using Linear Programming techniques. The hybrid approach improves classification accuracy while ensuring practical financial guidance. The Streamlit-based interactive interface allows real-time financial evaluation and visualization. This system bridges predictive analytics and actionable financial planning, helping users achieve sustainable wealth growth while minimizing financial risk exposure