Build a trustworthy AI personal finance coach and budget planner. Include onboarding for goals and income cadence, manual transaction import with CSV placeholder, category rules, monthly budget dashboard, cash-flow calendar, spending insights, plain-language explanations, savings goal progress, recurring bill reminders, and a privacy-first settings area. Clearly label educational guidance versus regulated financial advice. Use calm, premium finance UI with charts, progressive disclosure, and mobile-first responsive behavior. Keep bank connections mocked and avoid handling real credentials.