Poverty, and debt are burning issues globally and especially in third-world nations such as Sri Lanka. The major contributing factor to poverty is poor personal financial planning resulting in being unable to make ends meet, forcing citizens to live mediocre lifestyles or even resort to debt or crime. Personal financial planning is one of the most crucial practices to overcome this situation namely: setting financial goals, tracking expenses, and meeting set budgets. In Sri Lanka, very few people keep track of their expenses, and a majority of those who do, follow manual methods which are error-prone and easily abandoned due to increased stress and complexity. This paper proposes a solution to automate the flow of personal finance management, requiring minimal effort from the user. The application detects SMS alerts received regarding Bank transactions and extracts transaction details. Users can easily upload their expense bills from which expense details will be fetched and processed. The app also allows users to split their bills with friends or family and track and settle their incoming and outgoing debts. Finally, the user can visualize their income and expense analysis at a glance and make better decisions to meet their financial objectives and all these features in one single application.