Idea For A Secure Ai Expense Tracker App: Natural Language Commands, Auto-extraction From Uploads, And Insights (i Will Not Promote)

I'm a solo developer brainstorming a micro SaaS idea for an expense tracker app. This app targets busy people, freelancers, and small business owners who dislike manual data entry. The goal is to make tracking expenses easy while ensuring privacy, since it handles sensitive information like invoices and bank statements.

The Pain Point:
Manually logging expenses is frustrating. You forget receipts, type tedious entries, and miss quick insights into spending habits. Apps like Mint and Excel are okay, but they often require too much effort and raise privacy issues with cloud uploads.

My Idea: AI-Powered Expense Tracker
A simple web and mobile app where you can:

• Query in Natural Language: Say things like "Add $45 lunch from yesterday" or "Update my Uber ride to $30." The AI takes care of adding, updating, or deleting entries automatically.
• Upload and Auto-Extract: Snap or upload invoices and bank statements to the server. It uses OCR to extract text like dates, amounts, and categories. Then, it sends just that extracted text to a cloud AI for smart categorization and addition to your ledger. No full files get sent to the AI; only processed text.
• Insights and Tips: Receive weekly or monthly summaries by email or in-app, such as "You're up 15% on coffee – here's how to cut $50/month," based on your spending trends.
• Security Focus: Everything is encrypted during transfer and while stored. Raw uploads delete after processing, and I ensure no full documents are shared externally – just anonymized text for AI processing.

I'm sharing this idea as I want to validate this for its potential to earn or whether people would be ready to pay for it. If you have any feedback, please share it with me. Thanks!