FinVision AI — AI-Driven Financial Planning Platform

An open-source, production-ready financial planning web application tailored for the Indian market. FinVision AI combines deterministic financial mathematics with Google Gemini generative AI to provide personalized, multi-decade wealth projections, tax optimization, and goal planning — all in a single-page app with zero backend servers required.

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Features

• Corpus Trajectory Engine — Year-by-year wealth accumulation from current age to 100, accounting for inflation-adjusted expenses, salary growth, and blended equity/debt CAGR.
• Tax Optimizer — Side-by-side comparison of Old vs. New Tax Regime (Section 115BAC) with Section 87A rebate, surcharge, and marginal relief calculations for FY 2025-26 & 2026-27.
• LTCG Tax Harvesting — Automated simulation of annual profit-booking up to the ₹1.25 lakh exemption limit to minimize future capital gains liability.
• Goal Planning — Life milestone modelling (child's education, wedding, home purchase) with inflation-specific compounding (8% general, 13.5% medical, 11% education).
• AI Advisor — Conversational financial advisor powered by Google Gemini with RAG-grounded Indian regulatory context.
• Interactive Charts — Corpus spline-area timeline, asset allocation doughnut, and expense bar charts via Chart.js.
• PDF Export — Professionally formatted downloadable report with executive summary, tax analysis, and year-by-year projection tables.
• Firebase Sync — Optional Firebase Auth (Google OAuth + email/password) and Firestore persistence for multi-device access.

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Tech Stack

Layer	Technology
Build tool	Vite 8 (Rolldown bundler)
Styling	Tailwind CSS v4
Charts	Chart.js 4
AI	Firebase AI Logic (Gemini)
Database	Cloud Firestore
Auth	Firebase Authentication
PDF	jsPDF + html2canvas
Runtime	Vanilla ES Modules (no framework)

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Getting Started

Prerequisites

• Node.js ≥ 18
• npm ≥ 9

Installation

git clone https://github.com/spmsuhas/finvision-ai.git
cd finvision-ai
npm install

Environment Variables

Copy .env.example to .env and fill in your Firebase project credentials:

cp .env.example .env

The app runs fully in offline/demo mode without Firebase credentials. Auth and cloud save features require a valid Firebase project.

Development

npm run dev

Opens at http://localhost:5173

Production Build

npm run build
npm run preview

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Project Structure

finvision-ai/
├── index.html                  # SPA shell — all 6 sections
├── src/
│   ├── main.js                 # App bootstrap, state management, SPA router
│   ├── styles/
│   │   └── main.css            # Tailwind v4 with @theme design tokens
│   ├── utils/
│   │   ├── constants.js        # ARD macroeconomic parameters (inflation, CAGR, tax slabs)
│   │   ├── formatters.js       # Indian number system formatters (₹, Lakh, Crore)
│   │   ├── financeEngine.js    # Corpus trajectory & SIP calculation engine
│   │   └── taxEngine.js        # Old/New regime tax + LTCG harvesting engine
│   ├── components/
│   │   ├── charts/             # Chart.js wrappers (corpus, allocation, expense)
│   │   ├── forms/              # Input forms (personal, assets, expenses, goals)
│   │   ├── tables/             # Projection table with pagination & CSV export
│   │   └── reports/            # PDF export module
│   ├── firebase/
│   │   ├── config.js           # Firebase app init (reads VITE_FIREBASE_* env vars)
│   │   ├── auth.js             # Auth helpers (Google OAuth, email/password)
│   │   └── firestore.js        # Firestore CRUD for plans & personal details
│   └── ai/
│       └── aiAdvisor.js        # Gemini integration with RAG context injection
├── .env.example                # Environment variable template
├── vite.config.js              # Vite config with Tailwind plugin & code splitting
└── ARD.md                      # Application Requirement Document (source of truth)

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Macroeconomic Assumptions

All financial projections are calibrated against institutional research from Vanguard, Goldman Sachs, J.P. Morgan, and McKinsey & Company:

Parameter	Value	Source
General inflation	8.0% p.a.	Goldman Sachs (conservative buffer)
Medical inflation	13.5% p.a.	Asia Healthcare Index
Education inflation	11.0% p.a.	India private education trends
Equity CAGR	13.0% p.a.	Vanguard VCMM (emerging markets)
Debt CAGR	6.0% p.a.	India normalized interest rate
Salary raise	4.0% p.a.	ARD default
End of Life horizon	100 years	Longevity risk buffer
Legacy buffer	4× annual expense	Terminal estate planning

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Contributing

Contributions are welcome! Please read CONTRIBUTING.md before submitting a pull request.

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Security

If you discover a security vulnerability, please follow the responsible disclosure process in SECURITY.md. Do not open a public issue.

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License

This project is licensed under the MIT License.

© 2026 Suhas Manjunath