BolKharcha
AI-Powered Personal Finance Manager
A comprehensive personal finance management app with AI-powered chat interface, multi-language support, and smart expense tracking.
Tech Stack
BolKharcha is an AI-powered personal finance manager built for Nepal — conversational expense tracking in English, Nepali, and Hinglish.
Users can speak or type natural commands like “got salary” or “got phone”, and the app’s 3-mode system (Income, Expense, Account setup) with Ollama understands the intent.
It includes dashboards, multi-account balances (Cash, Bank, eSewa, Khalti, IME Pay), budgets across 12 categories, transfers, loans, reports, and a dark modern UI.
The stack is React Native + Expo Router, TypeScript, Node.js, PostgreSQL, and Ollama for on-device/local AI chat.
Key Features
- AI-Powered Chat Interface
- 3-Mode System (Income, Expense, Account)
- Smart Intent Detection
- Voice Input Support
- Multi-language: English, Nepali, Hinglish
- Real-time Balance Dashboard
- Budget Manager (12 categories)
- Multiple Account Types
- Transaction Tracking
- Smart Search
- Comprehensive Reports
- Dark Theme & Modern UI/UX
Technical Challenges
AI Context Understanding
Challenge
Implementing natural language processing to understand financial context in multiple languages.
Solution
Custom prompt engineering with Ollama and a 3-mode system to distinguish transactions like “got salary” vs “got phone”.
Multi-language NLP
Challenge
Supporting English, Nepali, and Hinglish within the same conversation.
Solution
Language detection with seamless code-switching and fallbacks for unclear inputs.
Real-time Data Synchronization
Challenge
Keeping financial data accurate across accounts with concurrent transactions.
Solution
Optimistic updates, conflict resolution, and PostgreSQL constraints for reliable sync.