While financial management is an integral part of life today, many people find budgeting, expenditure control, and investment financing to be quite challenging. This paper presents FinanceGPT, a personal finance management assistant that helps with budgeting and monitoring of expenditures such as an interactive chatbot, real-time market feeds, and automated expense categorization. For automated market analysis, FinanceGPT uses yfinance, while mfapi.in is used for mutual fund data harvesting. Users are guided into financial planning using an intuitive and heuristic approach. To promote additional financial literacy among users, a study section is integrated. Combining data analytics with AI empowers FinanceGPT to close the gap between technology and economics in order to help people make smarter investment and expense decisions. This paper describes the architecture, methodologies, and impact of FinanceGPT and its further refinements toward smarter AI financial advising systems.