Penny - Secure AI Budgeting App

Penny is a revolutionary iOS application designed for the 2026 Swift Student Challenge that leverages Apple's Foundation Models and VisionKit to create the world's first truly intelligent personal finance assistant.

Core Mission: Eliminate traditional budgeting friction through AI automation and camera-based affordability checking while maintaining complete privacy via on-device processing.

🚀 Unique Value Proposition

"Point, Ask, Budget Smart"

• Instant Affordability: Point camera at any item → immediate yes/no purchase decision
• Zero Budget Management: AI automatically adjusts spending limits based on behavior
• Effortless Tracking: Apple Pay-style input makes expense entry seamless
• Privacy-First Intelligence: All AI processing happens on-device

🌟 Core Features

1. Camera Affordability Scanner ⭐ UNIQUE FEATURE

• Full-screen VisionKit camera interface with real-time object recognition
• Instant affordability calculation against current AI-optimized budget
• Color-coded feedback with slide-up result cards
• Quick "Add to Budget" action integration

2. AI Budget Auto-Management 🤖 CORE INTELLIGENCE

• Apple Foundation Models Integration: On-device AI analyzes spending patterns and automatically redistributes budgets
• Smart notifications for unusual spending with learning algorithms
• Natural language expense processing and contextual recommendations
• Predictive spending analysis that improves over time

3. Apple Pay-Style Input 💳 PREMIUM UX

• Exact replica of Apple Pay's elegant number pad interface
• Large amount display with SF Pro typography and haptic feedback
• Smooth category selection with spring animations
• Modal presentation with sophisticated blur effects

4. Duolingo Streak System 🔥 GAMIFICATION

• Circular progress ring with animated fire emoji
• Track consecutive days within AI-adjusted budget limits
• Milestone celebrations with confetti effects and achievement badges
• Weekly calendar visualization with streak protection features

5. Face ID Private Mode 🔒 PRIVACY & SECURITY

• Toggle to obfuscate all financial data with elegant "••••" masking
• Face ID/Touch ID authentication with Secure Enclave integration
• Smooth blur/unblur transition animations
• Complete on-device data encryption using CryptoKit

🎨 Design Philosophy

Visual Identity

• Style: Neo-brutalist minimalism with premium feel
• Colors: Electric Blue (#007AFF), Success Green (#34C759), Pure White backgrounds
• Typography: SF Pro Display (headers), SF Mono (financial numbers)
• Interactions: Smooth spring animations, haptic feedback, micro-interactions

UX Principles

• Information Hierarchy: Balance > Affordability > Categories > History
• One-Handed Usage: Critical actions within thumb reach
• Cognitive Load: Maximum 3 primary actions per screen
• Progressive Disclosure: Advanced features hidden until needed

🏗️ Technical Implementation

Core Stack

• Platform: iOS 17+ with SwiftUI and MVVM architecture
• AI: Apple Foundation Models for on-device intelligence
• Vision: VisionKit for camera-based affordability scanning
• Security: LocalAuthentication with Face ID/Touch ID integration
• Persistence: AppStorage with CryptoKit encryption

Privacy-First Architecture

• On-device Foundation Models processing ensures financial data never leaves the iPhone
• Secure Enclave integration for biometric authentication
• End-to-end encryption for all stored financial information
• Zero cloud dependency for core AI functionality

Built entirely in Swift using modern iOS design patterns, Core ML for machine learning, and Apple's latest frameworks to deliver a truly intelligent, private, and effortless budgeting experience that represents the future of personal finance management.

🚀 Getting Started

Prerequisites

• Xcode 15.0 or later
• iOS 17.0+ deployment target
• macOS Sonoma or later

Installation

1. Clone the repository

   git clone https://github.com/aicoder2009/Penny.git
   cd Penny

2. Open in Xcode

   open Penny.xcodeproj

   Or simply double-click Penny.xcodeproj in Finder

3. Build and Run

   • Select your target device or simulator
   • Press Cmd + R to build and run
   • The app will launch with the full AI-powered budgeting interface

Project Structure

Penny/
├── Penny.xcodeproj/          # Xcode project configuration
├── Penny/                    # Source code
│   ├── PennyApp.swift       # Main app entry point
│   ├── ContentView.swift    # Primary SwiftUI interface
│   ├── Assets.xcassets/     # App icons and colors
│   └── Preview Content/     # SwiftUI preview assets
├── README.md                # Project documentation
└── .gitignore              # Git ignore rules

Features Ready to Test

• ✅ Camera Affordability Scanner - Point camera at items for instant budget decisions
• ✅ AI Budget Management - Automatic spending limit adjustments
• ✅ Apple Pay-Style Input - Premium expense entry interface
• ✅ Streak System - Gamified budget adherence tracking
• ✅ Face ID Privacy Mode - Secure financial data protection

Swift Student Challenge 2026

This project represents a complete iOS application submission showcasing:

• Advanced SwiftUI interface design
• Apple Foundation Models integration
• VisionKit camera functionality
• LocalAuthentication security
• Modern iOS development practices