Personal financial management remains a critical challenge for individuals seeking to track expenses, analyze spending patterns, and achieve savings goals. This paper presents the design, implementation, and evaluation of an AI-powered expense tracking system that combines a user-friendly web interface with intelligent financial insights. The system leverages Streamlit for frontend visualization, Google Sheets as a cloud- based backend, and integrates AI-driven storytelling to provide users with actionable spending analyses. Unlike SMS-based tracking solutions, this system prioritizes privacy, supports cash transactions, and enables rich categorical data entry. Experimental results demonstrate that the system effectively visualizes weekly, monthly, and yearly financial trends while generating meaningful health scores and savings recommendations. The proposed solution offers a secure, scalable, and insightful approach to personal expense management.