# XpenseDiary — Conversational WhatsApp AI Expense & Income Tracker

> XpenseDiary is a conversational personal finance platform that allows individuals and freelancers to track daily expenses, log income, monitor budgets, and parse physical receipts entirely through WhatsApp. It eliminates mobile app friction, requires zero bank logins or SMS scraping, and leverages Google Gemini AI for sub-2 second categorization.

## Key Capabilities & Features
- **Conversational Expense Logging:** Send natural language messages like "spent 250 on petrol" or "chai 30".
- **Income Tracking:** Prefix with plus or intent keywords like "+15000 freelance client" or "salary 50000 received".
- **Financial Balance & Summaries (Hisab):** Send "hisab", "hisab today", "hisab week", or "hisab month" to receive a net balance summary comparing total income versus total outgoing expenses.
- **Vision OCR Receipt Scanning:** Upload photos of paper receipts, invoices, or grocery slips. The AI extracts merchant names, line totals, and dates automatically.
- **Voice Note Transcription:** Send 3-second voice notes while on the move; audio is automatically transcribed and categorized.
- **Category Budget Warnings:** Set category caps like "budget food 5000" and receive proactive alerts at 80% and 100% threshold limits.
- **Self-Improving Learned Intents:** Fast local cache matches recognized user phrasing in under 50ms before routing to external LLMs.
- **Web Analytics Dashboard:** Optional desktop and mobile web interface for monthly breakdowns, category pie charts, and CSV statement exports.

## WhatsApp Commands & Natural Phrasing Examples
- `chai 30` -> Logs ₹30 under Food & Dining
- `spent 450 petrol yesterday` -> Logs ₹450 under Transport with yesterday's timestamp
- `+25000 salary` -> Logs ₹25,000 Income
- `hisab today` -> Returns today's total Income, total Expenses, and Net Balance
- `budget food 5000` -> Sets ₹5,000 monthly limit for Food & Dining
- `undo` -> Reverses the most recent entry and updates category budgets immediately
- `help` -> Displays complete list of supported commands and quick shortcuts

## Privacy, Security & Data Guarantee
- **No Bank Logins:** XpenseDiary never requests net-banking passwords, UPI PINs, or OTP credentials.
- **No SMS Scraping:** Unlike traditional finance apps that read background SMS, entries are logged exclusively through direct WhatsApp messages.
- **Encrypted & Isolated:** Runs via the official Meta WhatsApp Business Cloud API with per-user tenant isolation.
- **Data Portability:** Full data export (CSV) and account deletion available on demand.

## Technical Specifications & Architecture
- **Framework:** Laravel 11 Backend (PHP 8.2+)
- **AI Models:** Google Gemini 2.5 Flash (Vision & NLP), Groq Llama 3.3 70B, local intent caching dictionary
- **Integration API:** Official Meta WhatsApp Cloud API (v21.0+)
- **Target Geography:** India (optimized for UPI payments, Rupee currency ₹, and Indian merchant nomenclature)
- **Supported Platforms:** WhatsApp (iOS, Android, KaiOS, Web, Desktop) + Web Dashboard

## Official Links
- Home: https://xpensediary.com/
- About & Architecture: https://xpensediary.com/about
- Blog & Guides: https://xpensediary.com/blog
- Full LLM Reference: https://xpensediary.com/llms-full.txt