Smart Money Coach is an AI-powered budgeting and financial guidance agent designed to help individuals better understand and manage their monthly finances. The agent allows users to input their income and expense details across categories such as rent, food, transportation, shopping, and subscriptions. It then analyzes this data to provide a clear breakdown of spending, including category-wise percentages and total expenses. Beyond simple tracking, the agent identifies overspending patterns, highlights key financial issues, and offers practical, personalized recommendations to improve savings. It also helps users set realistic financial goals and suggests actionable steps to achieve them, such as reducing unnecessary expenses or optimizing budget allocation. This agent is especially useful for students, young professionals, and anyone looking to gain better control over their money without using complex financial tools. It focuses on simplicity, clarity, and actionable insights, making financial planning accessible to everyone. Smart Money Coach acts like a personal financial advisor, helping users make smarter spending decisions and build better saving habits over time.