This content originally appeared on DEV Community and was authored by Ritesh Hiremath
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What I Built
At FreedomFund, we believe financial literacy is a right, not a privilege. Everyone deserves to understand and take control of their finances because knowledge is the key to lasting financial independence.
Inspired by timeless principles from renowned works like Rich Dad Poor Dad and The Intelligent Investor, we’ve built a platform that simplifies and personalizes your financial journey.
Our application generates detailed, actionable financial reports tailored to your unique circumstances. From analyzing your savings and investments to providing clear visualizations of your financial health, FreedomFund equips you with the knowledge and tools to make informed decisions.
Whether you’re building wealth, planning for the future, or optimizing your finances, FreedomFund is your trusted partner, turning financial complexity into clarity and guiding you toward lasting financial freedom.
How FreedomFund Works
At FreedomFund, we aim to simplify financial literacy for everyone by turning complex financial data into actionable insights. Here's how our platform empowers you to take control of your finances:
1. Input Your Financial Data
Start by sharing details like income, expenses, savings goals, and investment preferences. The more precise your input, the more personalized and accurate your financial report will be.
2. Analyze Key Metrics
Using cutting-edge algorithms and insights from industry benchmarks, we evaluate essential metrics such as:
- Savings Rate: How effectively you're saving.
- Emergency Fund Coverage: Your readiness for unexpected expenses.
- Investment Ratios: The balance and diversification of your investments.
- Net Worth Overview: A comprehensive snapshot of your financial health.
Metric Analysis Code snippet
const calculateSavingsRate = (monthly_income, monthly_fixed_expenses) => {
return ((monthly_income - monthly_fixed_expenses) / monthly_income) * 100;
};
const calculateEmergencyFundCoverage = (current_savings, monthly_fixed_expenses) => {
return current_savings / monthly_fixed_expenses;
};
const calculateFinancialIndependenceNumber = (monthly_fixed_expenses, withdrawalRate = 0.04) => {
return (monthly_fixed_expenses * 12) / withdrawalRate;
};
const calculateExpenseToIncomeRatio = (monthly_income, monthly_fixed_expenses) => {
return (monthly_fixed_expenses / monthly_income) * 100;
};
// Wealth-building metrics
const calculateNetWorth = (current_savings, invested_amount) => {
return current_savings + invested_amount;
};
const calculateWealthRatio = (netWorth, annual_income) => {
return (netWorth / annual_income) * 100;
};
const calculateInvestmentRatio = (invested_amount, netWorth) => {
return (invested_amount / netWorth) * 100;
};
// Financial health scoring
const calculateFinancialHealthScore = (metrics) => {
let score = 0;
// Emergency fund score (0-25 points)
const emergencyFundScore = Math.min(metrics.emergencyFundCoverage * 4.17, 25);
// Savings rate score (0-25 points)
const savingsRateScore = Math.min(metrics.savingsRate, 25);
// Investment ratio score (0-25 points)
const investmentRatioScore = Math.min(metrics.investmentRatio * 0.5, 25);
// Expense to income ratio score (0-25 points)
const expenseRatioScore = Math.max(0, 25 - (metrics.expenseToIncomeRatio * 0.5));
score = emergencyFundScore + savingsRateScore + investmentRatioScore + expenseRatioScore;
return {
total: score.toFixed(2),
breakdown: {
emergencyFund: emergencyFundScore.toFixed(2),
savingsRate: savingsRateScore.toFixed(2),
investmentRatio: investmentRatioScore.toFixed(2),
expenseRatio: expenseRatioScore.toFixed(2)
}
};
};
3. Personalized Insights
We go beyond numbers by interpreting your data and offering tailored recommendations. Our insights guide you to:
- Maximize your savings potential.
- Optimize your investment strategies.
- Build a solid financial foundation.
4. Visualize Your Finances
Our system converts your data into intuitive visuals:
- Investment Growth Graphs: Understand the growth of your investments over time through lumpsum or SIP strategies.
- Spending Trends: Identify patterns and areas for improvement in your expenses.
Visual graph creation API (code snippet)
def calculate_investments(
lump: float = Query(..., ge=0, description="Lump sum investment amount (must be greater than or equal to 0)"),
monthly: float = Query(..., ge=0, description="Monthly SIP investment amount (must be greater than or equal to 0)")
):
if lump == 0 and monthly == 0:
raise HTTPException(status_code=400, detail="At least one of lump sum or monthly investment must be greater than 0")
time_years = np.arange(1, 26)
rates = [0.10, 0.12, 0.15]
colors = {"10%": "blue", "12%": "yellow", "15%": "red"}
# Calculate lump sum growth
lump_data = {"Year": [], "Amount": [], "Rate": []}
if lump > 0:
for rate in rates:
for year in time_years:
amount = compound_interest(lump, rate, year)
lump_data["Year"].append(year)
lump_data["Amount"].append(amount)
lump_data["Rate"].append(f"{int(rate * 100)}%")
lump_df = pd.DataFrame(lump_data)
lump_graph = generate_graph(lump_df, "Lump Sum Investment Growth Over 25 Years", colors)
else:
lump_graph = None
5. Financial Podcasts Tailored to You
To make your financial journey even more engaging, we generate a personalized podcast based on your financial report. These podcasts include actionable advice inspired by renowned financial books like Rich Dad Poor Dad and The Intelligent Investor. This feature makes it easier to understand your report and implement the suggestions effectively.
6. Generate and Deliver Reports
Finally, all insights, visuals, and recommendations are compiled into a clean, easy-to-read report. Delivered straight to your inbox, it’s designed to help you make confident financial decisions without the need for spreadsheets or jargon.
With FreedomFund, financial literacy becomes accessible, actionable, and even enjoyable. From personalized insights to podcasts inspired by the greatest financial minds, we’re here to guide you toward financial independence and clarity.
Architecture
Demo
Freedomfund: agent.ai
Visit our website to learn more and get started on your journey to financial freedom!
Website Screenshots
Agentai WorkFlow
Result Example
Code
.
Agent.ai Experience
Building FreedomFund on AgentAI has been an exciting experience. The platform’s powerful tools and features made it easy to bring our idea of personalized financial literacy to life. From handling workflows to integrating AI-driven insights, AgentAI simplified much of the process, allowing us to focus on creating value for users.
However, we did face some challenges, like integrating webhooks and formatting HTML for reports. While the tools were helpful, more detailed documentation and examples would have made things smoother.
Overall, AgentAI impressed us with its capabilities and potential. With a few improvements in developer resources, it can become an even better platform. We’re excited to keep building and improving FreedomFund with AgentAI!
This project was built in collaboration with my friend, @gocool_777. A big thanks to him for his valuable contributions and support!
This content originally appeared on DEV Community and was authored by Ritesh Hiremath
Ritesh Hiremath | Sciencx (2025-01-27T05:20:19+00:00) freedomFund: Your Personal Financial Literacy Partner. Retrieved from https://www.scien.cx/2025/01/27/freedomfund-your-personal-financial-literacy-partner/
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