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Show HN: My Financial Pal – Free AI-Powered Personal Financial Planner
I’ve been working on a project called My Financial Pal, a free web app that generates personalized financial plans in just a few minutes.
The way it works:
You answer a short questionnaire about your income, expenses, debts, and goals
The app uses AI to analyze your answers
You immediately receive a custom PDF report with actionable advice tailored to your situation
The advice focuses on practical decisions like:
Should you prioritize paying off debt vs. investing?
How can you budget more effectively?
What’s the best strategy to save for a major purchase?
My motivation: financial planning can be expensive and inaccessible. Professional advice often costs hundreds of dollars. I wanted to see if I could democratize that process and make it available to anyone with an internet connection.
It’s early days, and what I’m looking for is feedback:
Is this useful to you?
What would make it better?
What did you like or dislike about the experience?
Important notes:
The app doesn’t ask for any personally identifying information — responses are anonymous
There’s no signup required, it’s free to use
There’s a Feedback form built into the app where you can share your thoughts directly
Try it here: http://myfinancialpal.pro
Thanks for checking it out! I’ll be around in the comments to answer questions and collect feedback.
Stack: The backend is built in Python (Flask) with PostgreSQL for persistence, hosted on Heroku.
Frontend: Simple HTML/Bootstrap templates — I wanted to keep it minimal so people can focus on the functionality, not the UI polish.
Logic: The financial planning engine uses a set of rules + some lightweight AI-based analysis to generate advice (e.g., debt payoff order, savings strategies, etc.).
Output: The final output is a PDF report, auto-generated from the inputs, with tailored recommendations.
Why I built it: I have a background in data science and noticed that many people I talk to either don’t have access to financial planners or find them too expensive. My goal was to see if I could replicate some of that value in a simple, automated way that anyone could try for free.
What I’d love feedback on:
Did the advice make sense for your situation?
Were the recommendations clear and actionable?
Anything confusing, missing, or frustrating in the flow?
Thanks again for trying it out — I’ll be hanging around in the thread to answer questions and take notes.