International Journal of Emerging Research in Science, Engineering, and Management
Vol. 2, Issue 2, pp. 21-27, February 2026.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Koppala Harshavardhan
K. Sudhakar
Department of CSE, Gokula Krishna College of Engineering, Sullurpet, India.
Abstract: With the increasing reliance on digital platforms for financial management, individuals often face challenges in maintaining secure, scalable, and interactive tools to track their personal finances. Conventional spreadsheet-based methods and basic mobile applications lack robust authentication, dynamic analytics, and responsive design, resulting in fragmented financial visibility and error-prone decision-making. To address these limitations, this work proposes SmartSpend, a secure, responsive, and user-friendly personal finance tracker built with modern web technologies. The system integrates Next.js, React, TypeScript, Tailwind CSS, and Shadcn/ui to deliver a polished interface, while Clerk authentication ensures secure access to sensitive financial data. On the backend, Prisma ORM and PostgreSQL provide scalable data management, complemented by React Query and TanStack Table for efficient state handling and dynamic transaction visualization. SmartSpend empowers users to record income and expenses, categorize transactions, view analytics dashboards, and export data in CSV format for offline analysis. Experimental evaluation demonstrates that the system enhances usability, reduces manual workload, and improves financial decision-making through interactive analytics and personalized settings. The results confirm that SmartSpend achieves an effective balance between security, responsiveness, and usability, making it suitable for deployment as a modern personal finance management solution.
Keywords: Finance Tracker, Digital Platforms, Secure Tools, Analytics, Financial Management.
References:
- J. J. Xiao and K. Meng, “AI and personal finance: evaluating rules of thumb generated by ChatGPT,” International Journal of Bank Marketing, vol. 43, no. 9, pp. 1969–1989, Jul. 2025, doi: 10.1108/ijbm-03-2025-0227.
- W. Hou, E. Smajlbegovic, and D. Urban, “Ranking finance conferences: An update,” Journal of Empirical Finance, vol. 84, p. 101652, Sep. 2025, doi: 10.1016/j.jempfin.2025.101652.
- S. J. Blanchard, K. D. Martin, and L. C. Salisbury, “Consumer financial data exchange: marketing meets digital finance and open banking,” International Journal of Research in Marketing, Jan. 2026, doi: 10.1016/j.ijresmar.2026.01.004.
- S. Li, B. Liu, Z. Qu, and D. Zhu, “Cross-border data flow regulation and multinational enterprise financing constraints: A pre-registered report,” Pacific-Basin Finance Journal, vol. 97, p. 103083, Jan. 2026, doi: 10.1016/j.pacfin.2026.103083.
- T. M. Key, A. L. Keel, J. Van Scotter, A. J. Czaplewski, and R. Ghosh, “When marketing and finance clash: Triggers of destructive leadership and how to prevent it,” Business Horizons, Feb. 2026, doi: 10.1016/j.bushor.2026.02.003.
- F. Plescher et al., “Problems and Barriers regarding the admission, financing, and service provision of digital health apps: Qualitative Stakeholder Survey,” Journal of Medical Internet Research, vol. 28, p. e73332, Feb. 2026, doi: 10.2196/73332.
- S. Peng, Z. Li, X. Wei, and J. Liu, “Executive risk preferences, supply chain finance depth, and corporate credit availability: An empirical analysis based on the mediating effect,” Finance Research Letters, vol. 90, p. 109213, Dec. 2025, doi: 10.1016/j.frl.2025.109213.
- A. Y. F. Zhu, “Unlocking financial literacy with machine learning: A critical step to advance personal finance research and practice,” Technology in Society, vol. 81, p. 102797, Dec. 2024, doi: 10.1016/j.techsoc.2024.102797.
- O. Coldrey, P. LaRocco, P. Lant, and D. Allan, “What women want: Financing a gender-responsive clean cooking transition,” Energy Research & Social Science, vol. 132, p. 104538, Jan. 2026, doi: 10.1016/j.erss.2026.104538.
- L. Wu, Q. Sun, and Q. Liu, “Financing constraints, policy supports and new farmers’ entrepreneurial performance,” Journal of Rural Studies, vol. 122, p. 104002, Jan. 2026, doi: 10.1016/j.jrurstud.2026.104002.
- C. Zou and C. Zhang, “The capital allocation effect of green finance: Evidence from corporate technological investment,” International Review of Financial Analysis, vol. 110, p. 104836, Nov. 2025, doi: 10.1016/j.irfa.2025.104836.
- H. Beladi, C.-C. Chao, C. T. Trinh, and M. S. Ee, “Green financing for ESG investments and wages in a sustainable economy,” International Review of Financial Analysis, vol. 106, p. 104569, Aug. 2025, doi: 10.1016/j.irfa.2025.104569.