Good , —
—
Income vs Expenses — Last 6 Months
Spending Breakdown
🚨 Alerts
Recent Transactions
Transactions
Every dirham tracked
Total In
—
Total Out
—
Saved
—
Count
0
| Date | Description | Category | Account | Type | Amount |
|---|
Loan Calculator
Personal loan, mortgage, car loan, comparison & savings goal
Loan Details
Payment Breakdown
Amortisation Schedule
Chart: ■ Principal ■ Interest
| Mo | Payment | Principal | Interest | Balance | % Paid |
|---|
Budget
Monthly plan vs actual spending
📊 Budget Balance — —
—
Expected Income
—
Actual Income
—
Budgeted Expenses
—
Actual Spent
—
Budget Gap
—
Budget − Actual
Income
Expenses
⚙ Budget Categories
Click + Sub on any parent to add a sub-category · Use ✏ to edit · ✕ to delete
Changes apply immediately to the budget
Copy Budget to Another Month
This copies all budget amounts from — to the month you select below. Existing entries in the target month will be overwritten.
Debt Manager
Track, analyze, and eliminate every liability
Total Outstanding
—
Across all debts
Monthly Payments
—
Min. obligations
Debt-to-Income
—
Healthy ≤ 36%
Est. Debt-Free
—
—
Total Interest Burden
—
Debts
Payoff Strategy
Priority Order
🧮 Dynamic Interest Calculator
✦ Change any field — all others recalculate live
Enter this if you know the total bank asks you to repay. The annual interest rate will be derived automatically.
Principal
—
Total Interest
—
Total Paid
—
■ Principal —
—
Interest — ■
Monthly Breakdown
Monthly EMI
—
Principal /mo
—
Interest /mo
—
Savings Goals
Set targets. Track progress. Achieve them.
Total Targets
—
Total Saved
—
Monthly Contributions
—
Financial Statements
Net Worth · Trial Balance · Balance Sheet
NET WORTH
—
—
Total Assets
—
Total Liabilities
—
Assets
Liabilities
Cash Flow Forecast
6-month projection based on your budget
6-Month Projection
| Month | Income | Expenses | Net | Running Balance |
|---|
Bill Calendar
Auto status based on today's date
Overdue
0
Due This Week
0
Monthly Bills
—
UAE Gratuity Calculator
Federal Decree Law No. 33 of 2021
Employment Details
Results
Years of Service
—
Daily Wage
—
Gratuity Days
—
Reduction Factor
—
ESTIMATED GRATUITY
—
⚠️ Estimate only. Consult your HR or UAE legal advisor for exact entitlements.
Annual Reports
Full-year analytics from your transaction data
Monthly Income vs Expenses
Month Breakdown
| Month | Income | Expenses | Net | Sav.Rate |
|---|
Spending by Category
Annual Income
—
Annual Expenses
—
Annual Net
—
Avg Savings Rate
—
Financial Health Score
Your personal finance report card
—
out of 100
Pillar Scores
Action Items
Payment Reminders
Upcoming and overdue payments — pay directly from here
Overdue
0
Due This Week
0
Due This Month
0
Settings
Currencies, accounts, categories, profile
👤 Profile
💱 Currencies
🏦 Accounts
📂 Categories
🏷 Types
💾 Data
About & Updates
Version info, social links & update subscription
🏦
Personal Finances OS
by AI Finance Academy · Mohannad Hamwi
v3.1
PRO
UAE-focused · AED-first
🌐 Connect With Us
🔄 Updates Subscription
Subscribe to receive every new version of Personal Finances OS automatically — new features, bug fixes, and UAE-specific improvements delivered to your inbox as soon as they're released.
What subscribers get
✓Every new PRO version emailed on release day
✓Release notes explaining what changed
✓Your activation key works on all new versions
✓Priority support response (within 12 hours)
✓Vote on upcoming features
★Early access to UAE Finance templates & tools
$4.99 / month
≈ AED 18 / month · Cancel anytime
Already a PRO user? Your key works on all new versions.
📋 What's New in v3.1
v3.1
March 2026
✅ Edit any transaction, reminder, goal, account or category
✅ Sub-accounts with automatic balance rollup
✅ Annual budget: per-month copy & clear with confirmation modal
✅ 5-level nested categories with recursive budget sums
✅ HMAC cryptographic activation key system (unlimited scale)
✅ Device locking — one key per device, transferable
✅ Custom currency picker with floating panel
✅ About page with subscription & social links
💡 Our Mission
AI Finance Academy was built on one belief: UAE professionals deserve financial tools built for their reality — AED salaries, DEWA bills, car loans, gratuity entitlements, and the unique journey of building wealth as an expat.
Personal Finances OS is 100% private. Your data never leaves your device. No subscription. No tracking. Just a powerful tool that works for you.
Questions or feature requests? Email us or leave a comment on YouTube.
Personal Finances OS is 100% private. Your data never leaves your device. No subscription. No tracking. Just a powerful tool that works for you.
Questions or feature requests? Email us or leave a comment on YouTube.
© 2026 AI Finance Academy · All rights reserved
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