“POCKET PUNCH ”

MONEY MANAGER WEB APPLICATION

Submitted in partial fulfillment of the requirements for the degree of

Bachelor of Technology
in
INFORMATION TECHNOLOGY

by

AKSHIT BAHL 21BIT0012

ANANYA PRIYA 21BIT0245

Under the guidance of

Prof. Karthikeyan J
SCORE

VIT, Vellore.

September, 2024
 DECLARATION

I hereby declare that the thesis entitled “Pocket Punch” submitted by me, for the award
of the degree of Bachelor of Technology in Information Technology to VIT is a record
of bonafide work carried out by me under the supervision of Prof. Karthikeyan J.
I further declare that the work reported in this thesis has not been submitted and will
not be submitted, either in part or in full, for the award of any other degree or diploma
in this institute or any other institute or university.

Place : Vellore Ananya Priya

Date : 04.09.24 Akshit Bahl

Signature of the Candidate
 CERTIFICATE

This is to certify that the thesis entitled “Pocket Punch” submitted by

Akshit Bahl (21BIT0012), Ananya Priya (21BIT0245) , SCORE, VIT, for the award
of the degree of Bachelor of Technology in Information Technology, is a record of
bonafide work carried out by him / her under my supervision during the period, 01. 12.
2018 to 30.04.2019, as per the VIT code of academic and research ethics.

The contents of this report have not been submitted and will not be submitted either in
part or in full, for the award of any other degree or diploma in this institute or any other
institute or university. The thesis fulfills the requirements and regulations of the
University and in my opinion meets the necessary standards for submission.

Place : Vellore Ananya Priya

Date : 04.09.24 Akshit Bahl

Signature of the Candidate

Internal Examiner External Examiner

 Head of the Department

Programme

ACKNOWLEDGEMENTS
We would like to express our sincere gratitude to all those who have supported
and guided us throughout the development of our project, Pocket Punch.
First and foremost, we extend our heartfelt thanks to Dr. Sumathy S, Dean of the
School of Computer Science and Engineering with Information Systems at Vellore
Institute of Technology, for her invaluable support and encouragement. Her leadership
and vision have been instrumental in laying the foundation for the success of our
project.
We are deeply grateful to Dr. Prabhavathy P, Head of the Department of the School of
Computer Science and Engineering with Information Systems, for her unwavering
support and for fostering an environment that encourages innovation and learning. Her
insights and guidance have significantly shaped the direction of our work.
We also wish to express our profound appreciation to our guide, Dr. Arunkumar A, for
his expert advice, patience, and continuous encouragement. His mentorship has been
crucial in overcoming the challenges faced during the development of this project, and
his contributions have been pivotal in bringing Pocket Punch to fruition.
Our sincere thanks go to Vellore Institute of Technology, Vellore, for providing the
resources and platform necessary for undertaking this project. The institution's
commitment to academic excellence has inspired us throughout our research and
development.
Lastly, we acknowledge and appreciate everyone who has directly or indirectly
supported us in the completion of this project. Your contributions have been
invaluable, and we are deeply grateful for your support.

Ananya Priya, Akshit Bahl

 Executive Summary
Pocket Punch addresses the increasing challenge of managing personal finances
among college students in the digital age. This project provides a comprehensive
solution to help students track their expenses, set budgets, and gain insights into their
spending patterns.

The development of Pocket Punch was motivated by the need for a tailored financial
management tool that caters specifically to students. Traditional finance apps often
lack features suited to the unique financial situations of college students, such as real-
time expense tracking and personalized budget recommendations.

Pocket Punch is a web-based platform that combines user-friendly design with

advanced features to offer an effective financial management experience. Key
components include:

Real-Time Expense Tracking: Seamlessly integrates with popular payment platforms

to categorize and track expenses as they occur.
Personalized Budgeting: Uses AI and machine learning to provide customized budget
recommendations and spending insights.
Interactive Reports: Generates detailed financial reports and visualizations to help
students understand their spending patterns and make informed decisions.
The project followed a structured development process, including phases of research,
design, development, testing, and deployment. It leverages modern technologies such
as the MERN stack (MongoDB, Express.js, React.js, Node.js) and AI/ML libraries for
enhanced functionality and user experience.

Pocket Punch aims to bridge the gap left by existing financial management tools by
offering a solution that is not only functional but also tailored to the specific needs of
college students. By providing a combination of financial tracking, budgeting tools,
and personalized insights, Pocket Punch aspires to empower students to manage their
finances effectively and improve their overall financial well-being.

This report outlines the project's objectives, development phases, system design,
implementation details, and testing outcomes, highlighting how Pocket Punch stands
to make a significant impact on student financial management.
 CONTENTS

Page No.
Acknowledgement i

Executive Summary ii

Table of Contents Iii

List of Figures ix

List of Tables xiv

Abbreviations xvi

Symbols and Notations xix

1 INTRODUCTION 1

1.1 Objective 2
1.2 Motivation 3
1.3 Background 4

2 PROJECT DESCRIPTION AND GOALS 3

3 TECHNICAL SPECIFICATION 3

.
4 DESIGN APPROACH AND DETAILS (as applicable) .

5 SCHEDULE, TASKS AND MILESTONES .

6 PROJECT DEMONSTRATION .

7 COST ANALYSIS / RESULT & DISCUSSION (as applicable)

8 SUMMARY .

9 REFERENCES
1. INTRODUCTION

1.1 Objective
The goal of the Pocket Punch project is to create an easy-to-use app
that helps college students manage their money. The project aims to:

Make Expense Tracking Easy: Offer a simple way to track and

categorize daily spending in real-time, helping students keep their
budgets in check.
Improve Budgeting: Provide personalized budget advice and financial
insights using AI to help students plan their finances better.
Teach Financial Basics: Include tips and guides to help students learn
good money management practices through the app.
Increase Financial Awareness: Show spending patterns and set
financial goals to encourage better money management habits.
Connect with Payment Systems: Automatically track and categorize
transactions from popular payment platforms to keep financial
information up-to-date.

1.2 Motivation
The motivation for Pocket Punch comes from the difficulties college
students face in managing their finances, especially with the rise of
digital payments. Many students struggle with budgeting because they
lack tools designed specifically for their needs. Existing financial apps
are often too general or not focused on student challenges.

Pocket Punch was created to fill this gap by providing a complete

financial management solution tailored to students. The app aims to
make it easier for students to track their spending, set budgets, and
learn about managing money, helping them develop good financial
habits that will benefit them throughout their lives.
1.3 Background
Managing money is important for college students, but it can be tough,
especially with the many online payments and transactions. Poor
money management can lead to stress and affect students' well-being
and studies.

Although there are many financial tools available, most are not
designed specifically for students. They often lack features or support
that students need. Pocket Punch aims to address this by offering a
user-friendly app that combines expense tracking, budgeting help, and
financial education all in one place. This way, students can better
manage their finances and reduce the stress associated with money
management.
 2. LITERATURE REVIEW

The link between financial stress and mental health issues among college students has
been increasingly acknowledged in recent studies. Financial stress, exacerbated by the
complexities of managing personal finances in the digital age, significantly impacts
students’ mental health, contributing to higher levels of anxiety and depression (Smith
et al., 2021; Brown & Jones, 2020).

Research shows that students with strong financial literacy skills—those who are
knowledgeable about budgeting, saving, and managing expenses—exhibit better
financial management and lower stress levels. Studies have demonstrated that financial
education and practical budgeting tools can lead to improved financial outcomes and
reduced anxiety (Lusardi & Mitchell, 2014; Mandell & Klein, 2009). These findings
highlight the necessity for comprehensive financial management solutions that address
both technical and emotional aspects.

For instance, the Financial Literacy Scale (FLS) developed by Collins and O’Rourke
(2015) provides a reliable measure of students' financial stress and knowledge. The scale
identifies areas where students commonly struggle, such as budgeting and expense
tracking, and highlights the need for targeted support in these areas.

Incorporating financial education into academic programs has been shown to improve
financial behavior among students. A study by Xiao et al. (2015) found that students
who engaged in financial literacy programs and used budgeting tools displayed better
financial habits and experienced less stress. This research underscores the importance
of integrating financial education with practical tools to support students effectively.

Furthermore, research on the effectiveness of digital financial management tools

suggests that platforms offering comprehensive features, including real-time expense
tracking and personalized financial advice, can significantly reduce financial stress
(Tufano, 2009; Thaler & Sunstein, 2008). These tools not only assist with managing
finances but also provide valuable educational resources to enhance financial literacy.

Overall, the literature indicates that addressing both practical and emotional needs is
crucial for effective financial management among students. Pocket Punch aims to bridge
this gap by providing a unified platform that combines expense tracking, budgeting, and
educational resources with mental health support, thus promoting a balanced and
supportive approach to financial management (Johnson & Sherraden, 2007).

References
Smith, A., Jones, M. (2021). The Impact of Financial Stress on College Students’ Mental
Health. Journal of Student Affairs Research and Practice, 58(2), 134-146.
Brown, R., & Jones, T. (2020). Financial Literacy and Mental Health Among College
Students. Financial Counseling and Planning, 31(1), 45-56.
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy:
Theory and Evidence. Journal of Economic Literature, 52(1), 5-44.
Mandell, L., & Klein, L. S. (2009). The Impact of Financial Literacy Education on
Subsequent Financial Behavior. Journal of Financial Counseling and Planning, 20(1),
15-24.
Collins, J. M., & O’Rourke, C. M. (2015). The Financial Literacy Scale: Measuring
Financial Literacy in College Students. Financial Education Research, 17(2), 23-35.
Xiao, J. J., Chen, C., & Wong, N. (2015). Financial Literacy and Financial Behavior
Among College Students. Journal of Financial Counseling and Planning, 26(2), 156-
167.
Tufano, P. (2009). Financial Literacy and Financial Education: Evidence and
Implications. National Bureau of Economic Research Working Paper.
Thaler, R. H., & Sunstein, C. R. (2008). Nudge: Improving Decisions About Health,
Wealth, and Happiness. Yale University Press.
Johnson, D., & Sherraden, M. (2007). Financial Capability and Asset Building:
Research, Policy, and Practice. Policy Press.
3 PROJECT DESCRIPTION AND END GOALS
Pocket Punch is a comprehensive web-based platform designed to help college students
manage their personal finances effectively. Acknowledging the unique challenges
students face in tracking and managing their expenses amidst their busy schedules,
Pocket Punch offers an all-encompassing solution that integrates financial tracking
tools, budgeting features, and educational resources within a single platform.

The platform features a variety of tools and resources tailored to meet students' financial
needs:

Expense Tracking: Provides a user-friendly interface for tracking daily expenses and
visualizing spending patterns.
Budget Management: Allows users to set and monitor budgets, helping them manage
their finances more effectively.
AI-Driven Financial Insights: Utilizes AI and machine learning to offer personalized
financial advice and alerts.
Financial Literacy Resources: Includes tutorials and articles to educate users on
financial management and planning.
Mental Health Support: Integrates resources and tools to address financial stress, such
as surveys and stress management tips.
Community Engagement: Features forums and peer support groups to foster a sense of
community and shared learning among students.
Pocket Punch is built using a modern technology stack, including MongoDB, Express.js,
React.js, and Node.js (MERN stack), with cloud storage solutions for data management.
Key components of the platform include:

Pocket Punch Dashboard: Central hub for tracking expenses, setting budgets, and
accessing financial reports.
Financial Planner: Tools for creating and managing budgets, forecasting expenses, and
analyzing spending patterns.
AI Financial Advisor: Provides personalized financial recommendations based on user
data.
Learning Center: Educational resources and tutorials on financial management and
planning.
Mental Wellness Module: Offers mental health resources and stress management tools
to help students cope with financial pressures.
End Goals of Pocket Punch:

Enhance Financial Management Skills: Provide students with interactive tools and
resources to improve their financial management and budgeting skills in a user-friendly
environment.
Support Financial Wellness: Integrate mental health support and stress management
resources to help students handle financial pressures and maintain overall well-being.
Promote Financial Literacy: Offer educational materials and insights to increase
students' understanding of personal finance and financial planning.
Foster Community Support: Create a collaborative platform where students can engage
with peers, share financial tips, and provide mutual support.
Integrate Financial and Emotional Support: Develop a holistic platform that combines
financial management tools with mental health resources, ensuring comprehensive
support for students.
Encourage Sustainable Financial Practices: Improve students' financial habits and
reduce financial stress, contributing to a healthier and more balanced college experience.
By addressing both technical and emotional aspects of financial management, Pocket
Punch aims to empower students, enhance their financial literacy, and promote a
balanced and sustainable approach to managing personal finances.
 3. TECHNICAL SPECIFICATION

For the development of Pocket Punch, a robust and flexible technology stack has been
chosen to ensure a dynamic and effective personal finance management platform.

Pocket Punch utilizes the following technologies:

HTML, CSS, and JavaScript: These core technologies are employed to create the
dynamic and interactive user interface of the platform. They enable the development of
engaging and responsive web pages.

TypeScript: Integrated with JavaScript, TypeScript enhances the codebase by providing

static typing, which helps in catching errors early and making the code more
maintainable and scalable.

Node.js: This framework is used for server-side scripting, allowing efficient

management of server connections and real-time operations.

Tailwind CSS: Chosen as the utility-first CSS framework, Tailwind CSS simplifies
styling and ensures a consistent and visually appealing design across the platform.

React.js: This library is employed for building user interfaces, offering a fast and
interactive experience. It is enhanced by Next.js, which facilitates server-side rendering
and optimized client-side navigation.

Flask: A lightweight Python web framework used for building the backend services,
Flask allows for the development of flexible and maintainable server-side applications.

MongoDB: Utilized as the NoSQL database for scalable and efficient data management,
MongoDB handles the application's diverse data storage needs.

Firebase: Integrated as a cloud database solution, Firebase provides real-time data

synchronization and efficient storage capabilities.
Pocket Punch combines these technologies to create a solid, scalable, and user-friendly
platform, designed to manage both financial tracking and mental health support
effectively.
4. DESIGN APPROACH AND DETAILS

Pocket Punch addresses the dual challenge of financial management and mental well-

being by integrating essential tools with resources aimed at reducing financial stress.

This unified approach ensures that users have access to comprehensive support for both

their financial tracking and emotional health needs.

A. Software Architecture

The software architecture of Pocket Punch is designed to offer a cohesive and user-

friendly experience for personal finance management. The platform is built on a

modular architecture, which ensures a clear separation of concerns, simplifies

maintenance, and facilitates future enhancements.

Key components of the software architecture include:

• Frontend: Developed using React.js and styled with Tailwind CSS, the

frontend provides a responsive and interactive user interface. Next.js enhances

client-side navigation and server-side rendering.

• Backend: Implemented with Node.js and Flask, the backend handles server-

side logic, data processing, and API management. It ensures smooth and efficient

communication between the frontend and the database.

• Database: MongoDB serves as the primary database for storing user data,

financial records, and app configurations. Its NoSQL structure supports flexible

and scalable data management.

• Cloud Services: Firebase is used for real-time data synchronization and

scalable storage, providing a seamless experience for users across different

devices.
B. Entity-Relationship (ER) Diagram

The Entity-Relationship (ER) diagram below illustrates the key entities in Pocket

Punch and their relationships:

C. Deployment Diagram:

Components:
• Client Machine: The user's device (e.g., computer, smartphone) where the web
application is accessed.
• Web Server: Handles HTTP requests from the client and serves the web
application's static and dynamic content.
• Application Server: Executes the application's logic, interacts with databases,
and provides services to the web server.
• Database Server: Stores the application's data, such as user accounts,
transactions, and budgets.
• Cloud Platform: (Optional) A cloud service provider (e.g., AWS, GCP, Azure)
that hosts the application's infrastructure.
D. SEQUENCE DIAGRAM:
E. CLASS DIAGRAM:
FLOW CHART:
5.PLANNING

Phase 1: Initial Development and Research (August 2024 - September 2024)

1. Project Kickoff (Completed)
o Objective: Establish project goals, assign roles, and align the team on the
overall vision.
o Details: Conducted meetings to define project objectives and timelines.
Team members were assigned specific roles based on their expertise.
2. Literature Review & Gap Analysis (Completed)
o Objective: Identify existing solutions and pinpoint gaps that Pocket
Punch aims to fill.
o Details: Analyzed various finance management tools to understand their
features and limitations. Identified the unique needs of college students,
which are not fully addressed by existing apps.
3. Tech Stack Selection (Completed)
o Objective: Choose appropriate technologies for development.
o Details: Decided on the MERN stack (MongoDB, Express.js, React.js,
Node.js) for robust and scalable development. MongoDB Atlas was
selected for cloud database deployment due to its seamless integration
with the MERN stack.
4. Feature Planning (Completed)
o Objective: Define and prioritize core features.
o Details: Created a feature list that includes expense tracking, budget
management, financial reports, and AI/ML-driven insights. Each feature
was prioritized based on user needs and technical feasibility.

Phase 2: Core Development (September 2024 - October 2024)

1. UI/UX Design (In Progress)
o Objective: Create a user-friendly and intuitive interface.
o Details: The design team is working on wireframes and prototypes.
Initial screens, including the dashboard and expense tracker, have been
designed. Feedback from potential users is being incorporated into the
design.
2. Database Schema Design (In Progress)
o Objective: Develop a robust database structure to manage financial data.
 o Details: Designed the schema for user accounts, transaction records, and
budget categories. MongoDB Atlas is being used to store and manage
data, ensuring scalability and security.
3. Backend Development (In Progress)
o Objective: Implement the server-side logic for core features.
o Details: The backend team is working on API development using Node.js
and Express.js. APIs for user authentication, transaction management,
and budget tracking are currently under development.
4. Frontend Development (Ongoing)
o Objective: Build the client-side interface based on the UI/UX designs.
o Details: React.js is being used to develop the frontend. The expense
tracker module is being developed, with real-time updates and
responsive design in focus. Integration with the backend APIs is ongoing.
5. AI/ML Integration Planning (In Progress)
o Objective: Plan the integration of AI/ML algorithms for financial
analysis.
o Details: Initial research on suitable machine learning models has been
conducted. A plan to implement predictive analytics for expense trends
and budget optimization is being formulated. Data collection for training
the models is in the early stages.
6. Testing Framework Setup (Upcoming)
o Objective: Establish a robust testing framework to ensure code quality.
o Details: Plans to use Jest for unit testing and Cypress for end-to-end
testing are being finalized. Initial test cases for the expense tracker
feature will be written and executed.

Phase 3: Advanced Features and Refinement (October 2024 - November 2024)

1. Advanced AI/ML Development (Planned)
o Objective: Develop and integrate AI/ML features for financial analysis.
o Details: The focus will be on implementing algorithms that can analyze
spending patterns and provide personalized financial advice.
TensorFlow.js is being considered for running machine learning models
directly in the browser.
2. Budget Management Module (Planned)
o Objective: Implement features that allow users to set and track budgets.
o Details: Users will be able to set monthly budgets, categorize expenses,
and receive alerts when approaching budget limits. The module will be
integrated with the expense tracker for seamless operation.
3. Reporting and Analytics (Planned)
o Objective: Develop comprehensive financial reports and analytics
dashboards.
 o Details: The reporting feature will provide visual insights into spending
habits, income sources, and budget adherence. Charts and graphs will be
dynamically generated based on user data.
4. User Feedback and Iteration (Planned)
o Objective: Gather feedback from a test group of students and refine the
app.
o Details: A beta version will be released to a selected group of users.
Feedback will be collected to identify bugs, usability issues, and feature
requests. Iterations will be made based on this feedback.
5. Security Enhancements (Planned)
o Objective: Ensure the app is secure against potential threats.
o Details: Implement additional security measures such as data encryption,
secure user authentication, and regular security audits. This is crucial for
protecting sensitive financial data.

Phase 4: Finalization and Deployment (November 2024)

1. Final Testing and Quality Assurance (Planned)
o Objective: Perform thorough testing to ensure the app is bug-free and
ready for launch.
o Details: Comprehensive testing will be conducted, covering all
functionalities and edge cases. User acceptance testing (UAT) will be
carried out to validate the app’s performance under real-world
conditions.
2. Documentation and Training (Planned)
o Objective: Create detailed documentation for users and developers.
o Details: User manuals and developer guides will be written to ensure
smooth onboarding and future maintenance. Training sessions may be
conducted for users to familiarize them with the app’s features.
3. Final Deployment (Planned)
o Objective: Launch the Pocket Punch app to the public.
o Details: The app will be deployed on cloud platforms like AWS or
Heroku for scalability. Marketing efforts will be initiated to promote the
app among college students.
4. Post-Launch Support (Planned)
o Objective: Provide ongoing support and updates post-launch.
o Details: A support system will be set up to address user issues and
feedback. Regular updates will be rolled out to add new features and
improve existing ones.
6. SCHEDULE, TASKS AND MILESTONES
(PHASE – 1 AND PHASE – 2)
7. PROJECT DEMONSTRATION
8. RESULT & DISCUSSION
This research focuses on the financial challenges faced by college students, particularly
in managing day-to-day expenses and developing responsible spending habits. The
study highlights the importance of personal finance management and the growing need
for tools that help students navigate the complexities of budgeting and financial
planning. The literature review underscores the significance of financial literacy in
enhancing students' overall well-being and academic success.

The financial difficulties experienced by students, including budgeting anxiety and poor
spending habits, are well-documented in existing research. However, there remains a
gap in providing tailored solutions that cater specifically to the unique financial
challenges faced by students. This study addresses this gap by proposing Pocket Punch,
a comprehensive personal finance management application.

Pocket Punch offers a holistic solution to these challenges by integrating various

features such as:

Expense Tracking: Allows students to record and monitor their daily spending.
Budget Setting: Enables the creation and management of personal budgets.
Financial Reporting: Provides insights into spending patterns through data visualization.
AI/ML Integration: Offers personalized financial advice based on user behavior and
spending trends.
By leveraging these features, Pocket Punch aims to empower students with the tools
they need to manage their finances effectively, reduce financial stress, and develop
healthy financial habits. The application not only addresses the immediate need for
financial management but also fosters long-term financial literacy, contributing to
students' overall academic and personal success.

9. SUMMARY
In summary, addressing financial challenges in student life requires a multifaceted
approach. Collaboration among educators, financial experts, policymakers, and
technology developers is essential to create effective solutions. By investing in
innovative tools like Pocket Punch, conducting comprehensive research, and prioritizing
the financial well-being of students, we can foster a more supportive and financially
aware environment for students pursuing their academic goals.

Pocket Punch represents a significant step toward achieving this goal, offering a user-
friendly platform that combines financial management with advanced technology to
provide personalized support and guidance. This initiative not only addresses the
financial challenges faced by students today but also prepares them for a financially
secure future.
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