AI-Assisted Financial Tracking & Advisory Version 2.9.67 | Lucid Frame | Academic Year 2026–2027, 1st Semester
Smart Spend is an AI-powered personal finance tracker for Android, built for everyday Filipino users. It helps you record, analyze, and manage your spending with minimal effort — using voice, camera, or just typing naturally.
Developed by Lucid Frame:
- Brix A. Directo — Lead Developer
- Cyrille John M. Rubis — UI/UX Designer & Documentation Lead
- Djaunathan Albert S. Madayag — Project Manager & QA Lead
- 🎙️ Voice, OCR, Barcode, and Manual expense input
- 📷 Unified Smart Import — one camera button opens: Live Camera (barcode/QR/receipt), Single Photo (auto-detects barcode/screenshot/receipt), Batch Screenshots (40+ platforms), Paste Text
- 🤖 AI Chat Assistant — 34 agentic action types via natural language (Gemini 3.1 Flash-Lite primary, 6-provider auto-fallback chain with task-based routing: fast/smart/financial_advice tiers)
- ⚖️ Lightweight Mode — disable income/wallet tracking; FHS recalculates using spending habits (Spending Restraint, Consistency, Category Balance, Habit Streak)
- 🎯 Multi-Period Spending Limits — set daily/weekly/monthly/yearly caps independently; progress bars + alerts
- 📅 Logging Gap Detection — startup check for unlogged days; confirm spending (penalty) or clean days (bonus) for accurate FHS
- 🧠 Financial Health Score — 4-component formula that adapts to tracking mode; gap-aware adjustments; AI explains your breakdown
- 💸 Split Expenses — "Split dinner with John" auto-logs your share + creates debt for theirs
- 📊 Analytics: pie chart, bar chart, 50/30/20 tracker, health score trend, category comparison, DTI ratio, emergency fund calculator
- 💰 Budget management with pace indicators and % of income mode
- 🎯 Savings goals with contribution tracking and emergency fund auto-calc
- 💳 Debt & lending tracker with payment plans (ShopeePayLater, GCash GLoan, etc.)
- 🔁 Recurring transactions with due date alerts and Log All Due
- 💵 Wallet Balances — Cash, GCash, Maya, BDO, BPI, 30+ PH banks (auto-deduct, transfers)
- 🛡️ Insurance & Contributions Tracker — SSS, PhilHealth, Pag-IBIG, private insurance
- 🔔 Smart Startup Alerts — overdue bills, exceeded budgets, debt due, FHS drops, idle money, income sanity, balance discrepancy
- ⚙️ App Settings — track income/wallets toggle, mood, impulse pause, budget alerts, balance mode, compact mode
- 🔀 Auto-Categorization Rules — keyword → category mappings (fully cloud-synced)
- 💱 Multi-currency (57 currencies, live rates)
- 🏦 PH Banks Database — 20 banks, 5 e-wallets, government contributions, investment options
- ☁️ Full Firestore sync — expenses, budgets, goals, income, recurring, debts, wallets, rules, insurance
- 🔒 App Lock (PIN + biometric, per-account)
- 🏆 23 Achievements & Badges + 10 rotating Daily Quests with streak tracking
- 😊 Daily Mood Check-In with spending correlation
- 🗓️ Unified Financial Calendar
- 💹 Peso Cost Averaging Calculator — MP2, UITFs, stocks with year-by-year projections
- 🏅 Financial Health Certificate — shareable monthly score card
- 📖 Financial Glossary — 23 key terms in plain Filipino-English
- 💰 BIR Tax Breakdown — full monthly deductions (BIR, SSS, PhilHealth, Pag-IBIG, take-home)
- 🔐 API Security — Firebase Remote Config + App Check (key never in APK binary)
- 🌙 5 color themes + dark mode + high contrast + compact mode
| Component | Technology |
|---|---|
| Framework | Flutter (Dart) |
| AI Engine | Multi-Model LLM: Gemini 3.1 Flash-Lite (primary), Gemini 3.5 Flash, LLaMA 4 Scout (Groq), LLaMA 3.3 70B (Groq), LLaMA 3.1 8B (Groq), GPT-OSS 120B (Cerebras) — 6-provider auto-fallback, task-based routing |
| Local DB | SQLite (sqflite v11) |
| Cloud | Firebase Auth + Firestore |
| OCR | Google ML Kit Text Recognition |
| Barcode | Google ML Kit Barcode Scanning + MobileScanner |
| Charts | fl_chart |
| Backup | System share sheet (JSON, v9 format) |
| App Lock | local_auth (PIN + biometric) |
| Exchange Rates | open.er-api.com |
| Crash Reporting | Firebase Crashlytics |
| App Check | Firebase App Check (Play Integrity, monitoring mode) |
Architecture: Serverless/client-side only. No backend server. All logic runs on-device + Firebase + third-party APIs (Groq, open.er-api.com). Zero hosting costs.
See HOWTORUN.md for full setup and run instructions.
Quick start:
flutter pub get
flutter run# Full release build — produces all 3 APKs (arm64, armeabi-v7a, x86_64)
flutter build apk --release --split-per-abi --shrink --obfuscate --split-debug-info=build/debug-infoRelease APKs:
build/app/outputs/flutter-apk/
├── app-armeabi-v7a-release.apk (~37 MB) ← older/32-bit phones (Android 5+)
├── app-arm64-v8a-release.apk (~45 MB) ← modern 64-bit phones ← primary
└── app-x86_64-release.apk (~48 MB) ← emulators
CI/CD — Automated Release Pipeline: Pushing a version tag automatically builds and publishes all 3 signed APKs to GitHub Releases via GitHub Actions:
git tag v2.9.X
git push origin v2.9.XWorkflow: .github/workflows/release.yml — uses stored secrets for keystore signing.
| File | Purpose |
|---|---|
android/app/google-services.json |
Firebase config (not in repo) |
lib/services/app_config.dart |
Groq API key — centralized, in .gitignore |
⚠️ app_config.dartis excluded from git. Copyapp_config.dart.exampleand fill in your key before building.
| File | Contents |
|---|---|
HOWTORUN.md |
Setup, run, and build instructions |
SECURITY.md |
Security policy and credential management |
docs/reference/SYSTEM_OVERVIEW.md |
System architecture and overview — for adviser/panel |
docs/guides/DEFENSE_GUIDE.md |
Pre-defense quick reference — key numbers, FHS formula, demo script, Q&A |
docs/reference/CAPSTONE_REFERENCE.md |
Single source of truth for capstone paper documentation |
docs/guides/MANUSCRIPT_GUIDE.md |
Chapter-by-chapter manuscript guide + 19 Google Docs fixes |
docs/reference/BENCHMARK.md |
22-app comparison + 19-model LLM benchmark + behavioral finance |
docs/reference/RESEARCH_BASIS.md |
Academic citations for every feature — FHS, LLM, gamification, behavioral finance |
docs/reference/APPLICATION_PIPELINE.md |
How the app works step by step, for anyone to understand |
docs/reference/FEATURE_DOCS.md |
Full feature documentation |
docs/status/PROJECT_STATUS.md |
What's done, what's left, roadmap, timeline |
docs/guides/PLAYSTORE_GUIDE.md |
Play Store deployment and API security guide |
docs/manuscript/archive/PROGRESS_REPORT_WEEK1.md |
Week 1 Capstone 2 progress report |
docs/manuscript/builders/ |
Python scripts that auto-generate all DOCX/PPTX deliverables |
docs/manuscript/output/ |
Built deliverables — FINAL.docx, defense slides, SUS sheet, etc. |
Smart Spend — Spend Smart, Live Better. © 2026 Lucid Frame. All rights reserved.