Personal finance management has become increasingly important in the modern digital world. Many users face difficulties in tracking expenses, budgeting effectively, and understanding their financial behavior. Traditional finance tracking applications provide limited analytics and lack intelligent recommendations. This paper presents FinSight AI, an AI-powered personal finance management system developed using the MERN stack architecture. The system allows users to securely manage transactions, budgets, and financial records while receiving AI-generated financial insights and recommendations. The application integrates JWT-based authentication, dashboard analytics, budgeting features, and conversational AI assistance. MongoDB Atlas is used for cloud database management, while Vercel and Render are used for deployment. The proposed system improves financial awareness through intelligent analytics and AI-driven recommendations.