SPENDWISE : A PERSONALIZED STUDENT EXPENSE INTELLIGENCE PLATFORM
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Students often have difficulty managing their personal finances due to obtaining funds from a limited number of sources, sometimes facing unpredictable expenses, and an overall lack of financial knowledge. Many students do not keep track of their daily spending, which leads to unnecessary spending of money and increases the pressure they feel from financial burdens.
The proposed system titled Smart Student Expense Tracker with Intelligent Suggestions uses internet and/or mobile device applications to create a system that will help college students track their daily expenses, analyse them, and help them optimise their daily expenditures. This proposed system will help college students record their income and expenditures, as well as provide alternative suggestions based on their spending patterns.
In addition, it will help categorise expenditures using a data analytics model, highlight where overspending has occurred, and project future spending patterns while giving students alternative suggestions based on these patterns. In effect, it will promote financial discipline and help students learn better ways to save.
To make the system user-friendly, it will provide users with an easy-to-use interface, secure storage for all collected data, and analytical algorithms that provide users with real-time information. This proposed solution will also generate monthly summaries of expenditures along with visual graphs to improve users’ understanding of their overall financial condition.
This paper will discuss the architecture, design, workflow, and methodology used to create the Smart Student Expense Tracker.
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S, D. R. (2026). Spendwise : A Personalized Student Expense Intelligence Platform. International Journal of Science, Strategic Management and Technology, 02(03). https://doi.org/10.55041/ijsmt.v2i3.184
S, Divya. "Spendwise : A Personalized Student Expense Intelligence Platform." International Journal of Science, Strategic Management and Technology, vol. 02, no. 03, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i3.184.
S, Divya. "Spendwise : A Personalized Student Expense Intelligence Platform." International Journal of Science, Strategic Management and Technology 02, no. 03 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i3.184.
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