Upload budget_allocator.py

backend/budget_allocator.py

@@ -0,0 +1,93 @@
+import os
+from dotenv import load_dotenv
+from openai import OpenAI
+from backend import expense_manager
+load_dotenv()
+
+client = OpenAI(
+    api_key=os.environ.get("GROQ_API_KEY"),
+    base_url="https://api.groq.com/openai/v1",
+)
+
+def suggest_budget(user_id: str, expenses=None):
+    """
+    Analyze user expenses and return a budget suggestion using Groq AI.
+
+    Input: user_id and optional expense list
+    Output: dictionary with numeric split + AI explanation
+    Example:
+    {
+        "Spending": 0.6,
+        "Savings": 0.3,
+        "Investments": 0.1,
+        "message": "You spend most on rent, consider lowering entertainment."
+    }
+    """
+    if expenses is None:
+        expenses = expense_manager.list_expenses(user_id)
+
+    if not expenses:
+        return {
+            "Spending": 0.6,
+            "Savings": 0.3,
+            "Investments": 0.1,
+            "message": "No expense data found — using default 60/30/10 split."
+        }
+
+    summary_lines = []
+    for e in expenses:
+        summary_lines.append(f"{e['name']}: {e['amount']} ({e['category']}) on {e['date']}")
+    summary_text = "\n".join(summary_lines)
+
+    prompt = f"""
+You are FinSync AI, a financial budgeting assistant.
+
+User's Expense Summary:
+{summary_text}
+
+Task:
+1. Analyze how the user spends money.
+2. Suggest an ideal percentage allocation among:
+   - Spending (daily essentials, bills, rent)
+   - Savings (emergency fund)
+   - Investments (future growth)
+3. Return result in strict JSON format like this:
+{{
+  "Spending": 0.55,
+  "Savings": 0.30,
+  "Investments": 0.15,
+  "message": "Short reasoning or advice"
+}}
+"""
+
+    try:
+        response = client.responses.create(
+            model=GROQ_MODEL,
+            input=prompt,
+            temperature=0.3
+        )
+        ai_text = response.output_text.strip()
+
+        import json, re
+        json_match = re.search(r"\{[\s\S]*\}", ai_text)
+        if json_match:
+            parsed = json.loads(json_match.group(0))
+            for k in ["Spending", "Savings", "Investments"]:
+                if k not in parsed:
+                    parsed[k] = 0.0
+            return parsed
+        else:
+            return {
+                "Spending": 0.6,
+                "Savings": 0.3,
+                "Investments": 0.1,
+                "message": ai_text or "AI could not parse response properly."
+            }
+
+    except Exception as e:
+        return {
+            "Spending": 0.6,
+            "Savings": 0.3,
+            "Investments": 0.1,
+            "message": f"Groq API error: {e}"
+        }