05/31 Phase 5

app/__init__.py

@@ -26,6 +26,7 @@ def create_app(config_name=None):
     from app.routes.budgets import budgets_bp
     from app.routes.goals import goals_bp
     from app.routes.investments import investments_bp
+    from app.routes.ai import ai_bp
 
     app.register_blueprint(auth_bp)
     app.register_blueprint(dashboard_bp)
@@ -35,6 +36,7 @@ def create_app(config_name=None):
     app.register_blueprint(budgets_bp)
     app.register_blueprint(goals_bp)
     app.register_blueprint(investments_bp)
+    app.register_blueprint(ai_bp)
 
     with app.app_context():
         from app.models import (

app/routes/ai.py

@@ -0,0 +1,65 @@
+from flask import Blueprint, render_template, request, Response, stream_with_context, jsonify
+from flask_login import login_required
+from app.models.ai_insight import AiInsight
+from app.services.ai_service import stream_chat, get_latest_daily_insight, generate_daily_insight
+
+ai_bp = Blueprint('ai', __name__, url_prefix='/ai')
+
+
+@ai_bp.route('/')
+@login_required
+def index():
+    latest_insight = get_latest_daily_insight()
+    recent_chats = AiInsight.query\
+        .filter_by(insight_type='chat_response')\
+        .order_by(AiInsight.created_at.desc())\
+        .limit(20).all()
+    return render_template('ai/index.html',
+                           latest_insight=latest_insight,
+                           recent_chats=recent_chats)
+
+
+@ai_bp.route('/stream')
+@login_required
+def stream():
+    """SSE endpoint — streams Groq response chunk by chunk."""
+    message = request.args.get('message', '').strip()
+    if not message:
+        def empty():
+            yield 'data: Please enter a message.\n\n'
+            yield 'data: [DONE]\n\n'
+        return Response(stream_with_context(empty()),
+                        mimetype='text/event-stream',
+                        headers={
+                            'Cache-Control': 'no-cache',
+                            'X-Accel-Buffering': 'no',
+                        })
+
+    return Response(
+        stream_with_context(stream_chat(message)),
+        mimetype='text/event-stream',
+        headers={
+            'Cache-Control': 'no-cache',
+            'X-Accel-Buffering': 'no',
+        }
+    )
+
+
+@ai_bp.route('/generate-insight', methods=['POST'])
+@login_required
+def trigger_insight():
+    """Manually trigger a daily insight generation."""
+    content = generate_daily_insight()
+    if content:
+        return jsonify({'status': 'ok', 'content': content})
+    return jsonify({'status': 'error', 'message': 'Failed to generate insight'}), 500
+
+
+@ai_bp.route('/history')
+@login_required
+def history():
+    page = request.args.get('page', 1, type=int)
+    insights = AiInsight.query\
+        .order_by(AiInsight.created_at.desc())\
+        .paginate(page=page, per_page=20, error_out=False)
+    return render_template('ai/history.html', insights=insights)

app/routes/dashboard.py

@@ -6,6 +6,7 @@ from app.models.account import Account
 from app.models.transaction import Transaction
 from app.models.category import Category
 from app.services.fx_service import get_today_rate, get_rate_history
+from app.services.ai_service import get_latest_daily_insight
 from app.services.account_service import get_total_assets, get_total_liabilities
 from datetime import date, datetime, timedelta
 import calendar
@@ -127,6 +128,9 @@ def index():
         'rates': [float(r.usd_to_vnd) for r in fx_history],
     }
 
+    # ── AI insight ──────────────────────────────────────
+    ai_insight = get_latest_daily_insight()
+
     return render_template('dashboard/index.html',
                            period=period,
                            period_label=period_label,
@@ -145,7 +149,8 @@ def index():
                            chart_expense=chart_expense,
                            recent_txns=recent_txns,
                            fx=fx,
-                           fx_history_data=fx_history_data)
+                           fx_history_data=fx_history_data,
+                           ai_insight=ai_insight)
 
 
 @dashboard_bp.route('/api/fx-history')

app/services/ai_service.py

@@ -0,0 +1,358 @@
+"""
+AI Service — Groq API integration with financial context injection.
+Builds a anonymized summary of the user's finances and sends to Groq.
+No account names or personal details are sent — only aggregated numbers.
+"""
+
+import logging
+import json
+from datetime import date, timedelta
+from flask import current_app
+from sqlalchemy import func
+from app.extensions import db
+from app.models.transaction import Transaction
+from app.models.category import Category
+from app.models.account import Account
+from app.models.budget import Budget
+from app.models.goal import Goal
+from app.models.investment import Investment
+from app.models.ai_insight import AiInsight
+from app.services.budget_service import get_total_spent, get_total_budget
+
+log = logging.getLogger(__name__)
+
+
+# ── Context builder ───────────────────────────────────────────────────────────
+
+def build_context(days=90):
+    """
+    Build an anonymized financial context string to inject into the AI prompt.
+    Covers last `days` days of activity.
+    """
+    today = date.today()
+    since = today - timedelta(days=days)
+    curr_month = today.strftime('%Y-%m')
+    currency = current_app.config.get('APP_CURRENCY', 'USD')
+    symbol = current_app.config.get('APP_CURRENCY_SYMBOL', '$')
+
+    lines = [f"Financial data summary (currency: {currency}):"]
+
+    # ── This month summary ────────────────────────────────────────────────────
+    month_income = db.session.query(
+        func.coalesce(func.sum(Transaction.amount), 0)
+    ).filter(
+        Transaction.transaction_type == 'income',
+        Transaction.date >= date(today.year, today.month, 1),
+        Transaction.date <= today,
+    ).scalar()
+
+    month_expense = db.session.query(
+        func.coalesce(func.sum(Transaction.amount), 0)
+    ).filter(
+        Transaction.transaction_type == 'expense',
+        Transaction.date >= date(today.year, today.month, 1),
+        Transaction.date <= today,
+    ).scalar()
+
+    lines.append(f"\nCURRENT MONTH ({today.strftime('%B %Y')}):")
+    lines.append(f"  Income:   {symbol}{float(month_income):,.2f}")
+    lines.append(f"  Expenses: {symbol}{float(month_expense):,.2f}")
+    lines.append(f"  Net:      {symbol}{float(month_income) - float(month_expense):,.2f}")
+
+    # ── Top spending categories (this month) ──────────────────────────────────
+    top_cats = db.session.query(
+        Category.name,
+        func.sum(Transaction.amount).label('total')
+    ).join(Transaction, Transaction.category_id == Category.id)\
+     .filter(
+        Transaction.transaction_type == 'expense',
+        Transaction.date >= date(today.year, today.month, 1),
+        Transaction.date <= today,
+     ).group_by(Category.id)\
+      .order_by(func.sum(Transaction.amount).desc())\
+      .limit(6).all()
+
+    if top_cats:
+        lines.append("\nTOP SPENDING CATEGORIES (this month):")
+        for cat, total in top_cats:
+            lines.append(f"  {cat}: {symbol}{float(total):,.2f}")
+
+    # ── Budget status ─────────────────────────────────────────────────────────
+    from app.services.budget_service import get_budget_summary
+    budget_summary = get_budget_summary(curr_month)
+    over_budget = [b for b in budget_summary if b['is_over']]
+    near_budget = [b for b in budget_summary if b['has_budget'] and b['pct'] and b['pct'] >= 80 and not b['is_over']]
+
+    total_budget = get_total_budget(curr_month)
+    total_spent_month = get_total_spent(curr_month)
+
+    if total_budget > 0:
+        lines.append(f"\nBUDGET STATUS ({today.strftime('%B %Y')}):")
+        lines.append(f"  Total budget: {symbol}{total_budget:,.2f}")
+        lines.append(f"  Total spent:  {symbol}{total_spent_month:,.2f} ({round(total_spent_month/total_budget*100,1)}%)")
+        if over_budget:
+            lines.append(f"  OVER BUDGET: {', '.join(b['category'].name for b in over_budget)}")
+        if near_budget:
+            lines.append(f"  Near limit (80%+): {', '.join(b['category'].name + ' ' + str(b['pct']) + '%' for b in near_budget)}")
+
+    # ── Accounts net worth ────────────────────────────────────────────────────
+    accounts = Account.query.filter_by(is_active=True).all()
+    total_assets = sum(float(a.balance) for a in accounts if float(a.balance) > 0 and a.account_type != 'credit_card')
+    total_liab = sum(abs(float(a.balance)) for a in accounts if float(a.balance) < 0)
+    net_worth = total_assets - total_liab
+
+    lines.append(f"\nNET WORTH: {symbol}{net_worth:,.2f}")
+    lines.append(f"  Assets:      {symbol}{total_assets:,.2f}")
+    lines.append(f"  Liabilities: {symbol}{total_liab:,.2f}")
+
+    # ── Goals ────────────────────────────────────────────────────────────────
+    active_goals = Goal.query.filter_by(is_completed=False).all()
+    if active_goals:
+        lines.append("\nACTIVE SAVINGS GOALS:")
+        for g in active_goals:
+            lines.append(
+                f"  {g.name}: {symbol}{float(g.current_amount):,.2f} / {symbol}{float(g.target_amount):,.2f} "
+                f"({g.progress_percent}%)"
+                + (f" — target {g.target_date.strftime('%b %Y')}" if g.target_date else "")
+            )
+
+    # ── Investments ───────────────────────────────────────────────────────────
+    investments = Investment.query.filter_by(is_active=True).all()
+    if investments:
+        total_inv_value = sum(i.current_value for i in investments)
+        total_inv_gain = sum(i.unrealized_gain for i in investments)
+        lines.append(f"\nINVESTMENT PORTFOLIO:")
+        lines.append(f"  Total value: {symbol}{total_inv_value:,.2f}")
+        lines.append(f"  Unrealized P&L: {symbol}{total_inv_gain:,.2f}")
+
+    # ── Recent 20 transactions ────────────────────────────────────────────────
+    recent = Transaction.query\
+        .filter(
+            Transaction.transaction_type.in_(['income', 'expense']),
+            Transaction.date >= since,
+        )\
+        .order_by(Transaction.date.desc())\
+        .limit(20).all()
+
+    if recent:
+        lines.append(f"\nRECENT TRANSACTIONS (last {days} days, newest first):")
+        for txn in recent:
+            cat = txn.category.name if txn.category else 'Uncategorized'
+            sign = '+' if txn.transaction_type == 'income' else '-'
+            lines.append(
+                f"  {txn.date.strftime('%b %d')} | {cat} | {sign}{symbol}{float(txn.amount):,.2f} | {txn.description}"
+            )
+
+    return '\n'.join(lines)
+
+
+# ── Groq chat (streaming) ─────────────────────────────────────────────────────
+
+def stream_chat(user_message, context=None):
+    """
+    Generator that yields SSE-formatted chunks from Groq streaming API.
+    Yields: 'data: <chunk>\n\n'  or  'data: [DONE]\n\n'
+    """
+    api_key = current_app.config.get('GROQ_API_KEY', '')
+    model = current_app.config.get('GROQ_MODEL', 'llama-3.3-70b-versatile')
+
+    if not api_key:
+        yield 'data: AI assistant is not configured. Please set GROQ_API_KEY in your .env file.\n\n'
+        yield 'data: [DONE]\n\n'
+        return
+
+    if context is None:
+        try:
+            context = build_context()
+        except Exception as e:
+            log.error(f'[ai] context build failed: {e}')
+            context = '(financial context unavailable)'
+
+    system_prompt = (
+        "You are a concise, helpful personal finance assistant. "
+        "Answer questions based on the financial data provided. "
+        "Be specific with numbers. Keep answers focused and practical. "
+        "Do not make up data that isn't in the context. "
+        "If something isn't in the data, say so briefly."
+    )
+
+    messages = [
+        {"role": "system", "content": system_prompt + "\n\n" + context},
+        {"role": "user", "content": user_message},
+    ]
+
+    try:
+        import requests
+        resp = requests.post(
+            'https://api.groq.com/openai/v1/chat/completions',
+            headers={
+                'Authorization': f'Bearer {api_key}',
+                'Content-Type': 'application/json',
+            },
+            json={
+                'model': model,
+                'messages': messages,
+                'max_tokens': 1000,
+                'stream': True,
+            },
+            stream=True,
+            timeout=60,
+        )
+        resp.raise_for_status()
+
+        full_text = []
+        for line in resp.iter_lines():
+            if not line:
+                continue
+            line = line.decode('utf-8')
+            if not line.startswith('data: '):
+                continue
+            data = line[6:]
+            if data == '[DONE]':
+                break
+            try:
+                chunk = json.loads(data)
+                delta = chunk['choices'][0]['delta'].get('content', '')
+                if delta:
+                    full_text.append(delta)
+                    # Escape newlines for SSE
+                    safe = delta.replace('\n', '<br>')
+                    yield f'data: {safe}\n\n'
+            except (json.JSONDecodeError, KeyError, IndexError):
+                continue
+
+        # Store in DB
+        if full_text:
+            _save_insight(
+                content=''.join(full_text),
+                insight_type='chat_response',
+                prompt_summary=user_message[:500],
+                model=model,
+            )
+
+        yield 'data: [DONE]\n\n'
+
+    except requests.exceptions.Timeout:
+        yield 'data: Request timed out. Please try again.\n\n'
+        yield 'data: [DONE]\n\n'
+    except requests.exceptions.HTTPError as e:
+        if e.response.status_code == 429:
+            yield 'data: Rate limit reached. Please wait a moment and try again.\n\n'
+        elif e.response.status_code == 401:
+            yield 'data: Invalid Groq API key. Please check your .env configuration.\n\n'
+        else:
+            yield f'data: API error ({e.response.status_code}). Please try again.\n\n'
+        yield 'data: [DONE]\n\n'
+    except Exception as e:
+        log.error(f'[ai] stream error: {e}')
+        yield 'data: AI assistant is temporarily unavailable.\n\n'
+        yield 'data: [DONE]\n\n'
+
+
+# ── Daily insight (non-streaming) ─────────────────────────────────────────────
+
+def generate_daily_insight():
+    """
+    Generate and store a daily summary insight (called by cron script).
+    Returns the insight text or None on failure.
+    """
+    api_key = current_app.config.get('GROQ_API_KEY', '')
+    model = current_app.config.get('GROQ_MODEL', 'llama-3.3-70b-versatile')
+
+    if not api_key:
+        log.warning('[ai] GROQ_API_KEY not set, skipping daily insight')
+        return None
+
+    today = date.today()
+
+    # Don't regenerate if already done today
+    existing = AiInsight.query.filter_by(
+        insight_date=today,
+        insight_type='daily_summary'
+    ).first()
+    if existing:
+        return existing.content
+
+    try:
+        context = build_context(days=30)
+    except Exception as e:
+        log.error(f'[ai] context build failed: {e}')
+        return None
+
+    prompt = (
+        "Based on this month's financial data, give me a brief daily summary "
+        "(3-5 sentences). Cover: spending vs income, any budget alerts, "
+        "and one actionable tip. Be specific with numbers."
+    )
+
+    try:
+        import requests
+        resp = requests.post(
+            'https://api.groq.com/openai/v1/chat/completions',
+            headers={
+                'Authorization': f'Bearer {api_key}',
+                'Content-Type': 'application/json',
+            },
+            json={
+                'model': model,
+                'messages': [
+                    {"role": "system", "content": "You are a concise personal finance assistant."},
+                    {"role": "system", "content": context},
+                    {"role": "user", "content": prompt},
+                ],
+                'max_tokens': 400,
+                'stream': False,
+            },
+            timeout=30,
+        )
+        resp.raise_for_status()
+        data = resp.json()
+        content = data['choices'][0]['message']['content']
+        tokens = data.get('usage', {}).get('total_tokens')
+
+        _save_insight(
+            content=content,
+            insight_type='daily_summary',
+            prompt_summary='Daily auto-summary',
+            model=model,
+            tokens=tokens,
+        )
+        return content
+
+    except Exception as e:
+        log.error(f'[ai] daily insight failed: {e}')
+        return None
+
+
+# ── Helper ────────────────────────────────────────────────────────────────────
+
+def _save_insight(content, insight_type, prompt_summary=None, model=None, tokens=None):
+    try:
+        insight = AiInsight(
+            insight_date=date.today(),
+            insight_type=insight_type,
+            content=content,
+            prompt_summary=prompt_summary,
+            model_used=model,
+            tokens_used=tokens,
+        )
+        db.session.add(insight)
+        db.session.commit()
+    except Exception as e:
+        db.session.rollback()
+        log.error(f'[ai] save insight failed: {e}')
+
+
+def get_latest_daily_insight():
+    """Return today's daily insight if it exists, else the most recent one."""
+    today = date.today()
+    insight = AiInsight.query.filter_by(
+        insight_date=today,
+        insight_type='daily_summary'
+    ).first()
+    if not insight:
+        insight = AiInsight.query\
+            .filter_by(insight_type='daily_summary')\
+            .order_by(AiInsight.insight_date.desc())\
+            .first()
+    return insight

app/templates/ai/history.html

@@ -0,0 +1,71 @@
+{% extends "base.html" %}
+{% block title %}AI History{% endblock %}
+{% block page_title %}AI History{% endblock %}
+
+{% block topbar_actions %}
+<a href="{{ url_for('ai.index') }}" class="btn btn-sm btn-primary" style="font-size:12px;"><i class="bi bi-stars me-1"></i>Open Chat</a>
+{% endblock %}
+
+{% block content %}
+<div class="pcard p-0">
+    {% if insights.items %}
+    <table class="pfm-table">
+        <thead>
+            <tr>
+                <th style="padding-left:20px;">Date</th>
+                <th>Type</th>
+                <th>Content</th>
+                <th class="d-none d-md-table-cell text-end" style="padding-right:20px;">Tokens</th>
+            </tr>
+        </thead>
+        <tbody>
+        {% for item in insights.items %}
+        <tr>
+            <td style="padding-left:20px;font-size:12px;color:var(--muted);white-space:nowrap;">
+                {{ item.created_at.strftime('%b %d, %H:%M') }}
+            </td>
+            <td>
+                <span class="badge" style="font-size:11px;
+                    {% if item.insight_type == 'daily_summary' %}background:#ede9fe;color:#5b21b6;
+                    {% elif item.insight_type == 'chat_response' %}background:#dbeafe;color:#1e40af;
+                    {% else %}background:#f1f5f9;color:#64748b;{% endif %}">
+                    {{ item.insight_type | replace('_',' ') | title }}
+                </span>
+            </td>
+            <td>
+                {% if item.prompt_summary and item.insight_type == 'chat_response' %}
+                <div style="font-size:11px;color:var(--muted);margin-bottom:3px;"><i class="bi bi-person me-1"></i>{{ item.prompt_summary }}</div>
+                {% endif %}
+                <div style="font-size:13px;color:var(--text);">{{ item.content | truncate(180) }}</div>
+            </td>
+            <td class="d-none d-md-table-cell text-end mono" style="font-size:12px;color:var(--muted);padding-right:20px;">
+                {{ item.tokens_used or '—' }}
+            </td>
+        </tr>
+        {% endfor %}
+        </tbody>
+    </table>
+
+    {% if insights.pages > 1 %}
+    <div class="d-flex justify-content-between align-items-center px-4 py-3" style="border-top:1px solid var(--border);font-size:12px;color:var(--muted);">
+        <span>Page {{ insights.page }} of {{ insights.pages }}</span>
+        <div class="d-flex gap-1">
+            {% if insights.has_prev %}
+            <a href="{{ url_for('ai.history', page=insights.prev_num) }}" class="btn btn-sm btn-outline-secondary" style="font-size:11px;">← Prev</a>
+            {% endif %}
+            {% if insights.has_next %}
+            <a href="{{ url_for('ai.history', page=insights.next_num) }}" class="btn btn-sm btn-outline-secondary" style="font-size:11px;">Next →</a>
+            {% endif %}
+        </div>
+    </div>
+    {% endif %}
+
+    {% else %}
+    <div class="text-center py-5">
+        <i class="bi bi-stars text-muted" style="font-size:2.5rem;"></i>
+        <p class="text-muted mt-2">No AI history yet. Start a conversation.</p>
+        <a href="{{ url_for('ai.index') }}" class="btn btn-sm btn-primary">Open Chat</a>
+    </div>
+    {% endif %}
+</div>
+{% endblock %}

app/templates/ai/index.html

@@ -0,0 +1,239 @@
+{% extends "base.html" %}
+{% block title %}AI Assistant{% endblock %}
+{% block page_title %}AI Assistant{% endblock %}
+
+{% block extra_css %}
+#chatMessages { height: 440px; overflow-y: auto; display: flex; flex-direction: column; gap: 12px; padding: 16px; scroll-behavior: smooth; }
+.msg-user { align-self: flex-end; max-width: 75%; background: #3b82f6; color: #fff; border-radius: 16px 16px 4px 16px; padding: 10px 14px; font-size: 13.5px; line-height: 1.5; }
+.msg-ai { align-self: flex-start; max-width: 82%; background: #1e293b; color: #e2e8f0; border-radius: 16px 16px 16px 4px; padding: 10px 14px; font-size: 13.5px; line-height: 1.6; }
+.msg-ai.streaming { border-left: 2px solid #818cf8; }
+.msg-system { align-self: center; font-size: 12px; color: var(--muted); font-style: italic; }
+.suggestion-btn { background: #f1f5f9; border: 1px solid var(--border); border-radius: 20px; padding: 6px 14px; font-size: 12px; color: var(--text); cursor: pointer; transition: all .15s; white-space: nowrap; }
+.suggestion-btn:hover { background: #e2e8f0; border-color: #94a3b8; }
+.typing-dot { width: 6px; height: 6px; border-radius: 50%; background: #818cf8; display: inline-block; animation: bounce .8s infinite; }
+.typing-dot:nth-child(2) { animation-delay: .15s; }
+.typing-dot:nth-child(3) { animation-delay: .3s; }
+@keyframes bounce { 0%,60%,100% { transform: translateY(0); } 30% { transform: translateY(-6px); } }
+{% endblock %}
+
+{% block topbar_actions %}
+<a href="{{ url_for('ai.history') }}" class="btn btn-sm btn-outline-secondary" style="font-size:12px;"><i class="bi bi-clock-history me-1"></i>History</a>
+{% endblock %}
+
+{% block content %}
+<div class="row g-3">
+    <!-- Chat panel -->
+    <div class="col-12 col-lg-8">
+        <div class="pcard p-0 d-flex flex-column" style="height:600px;background:#0f172a;border-color:#1e293b;">
+            <!-- Header -->
+            <div style="padding:14px 16px;border-bottom:1px solid #1e293b;display:flex;align-items:center;gap:10px;">
+                <div style="width:32px;height:32px;border-radius:8px;background:#312e81;display:flex;align-items:center;justify-content:center;">
+                    <i class="bi bi-stars" style="color:#818cf8;font-size:15px;"></i>
+                </div>
+                <div>
+                    <div style="font-size:13px;font-weight:600;color:#f1f5f9;">Finance AI</div>
+                    <div style="font-size:11px;color:#475569;" id="statusLine">Powered by Groq · Context: last 90 days</div>
+                </div>
+            </div>
+
+            <!-- Messages -->
+            <div id="chatMessages">
+                <div class="msg-system">Ask me anything about your finances.</div>
+                {% if recent_chats %}
+                    {% for chat in recent_chats|reverse %}
+                    <div class="msg-user">{{ chat.prompt_summary }}</div>
+                    <div class="msg-ai">{{ chat.content | replace('\n', '<br>') | safe }}</div>
+                    {% endfor %}
+                {% endif %}
+            </div>
+
+            <!-- Input -->
+            <div style="padding:12px 16px;border-top:1px solid #1e293b;margin-top:auto;">
+                <div style="display:flex;gap:8px;align-items:flex-end;">
+                    <textarea id="chatInput" rows="2"
+                        style="flex:1;background:#1e293b;border:1px solid #334155;border-radius:10px;color:#f1f5f9;font-size:13.5px;padding:10px 14px;resize:none;font-family:'DM Sans',sans-serif;outline:none;transition:border .2s;"
+                        placeholder="Ask about your spending, budgets, goals…"
+                        onfocus="this.style.borderColor='#818cf8'" onblur="this.style.borderColor='#334155'"></textarea>
+                    <button id="sendBtn" onclick="sendMessage()"
+                        style="width:40px;height:40px;border-radius:10px;background:#4f46e5;border:none;color:#fff;cursor:pointer;font-size:16px;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background .15s;">
+                        <i class="bi bi-send"></i>
+                    </button>
+                </div>
+                <div style="font-size:11px;color:#334155;margin-top:6px;">Enter to send · Shift+Enter for new line</div>
+            </div>
+        </div>
+    </div>
+
+    <!-- Right column: daily insight + suggestions -->
+    <div class="col-12 col-lg-4 d-flex flex-column gap-3">
+
+        <!-- Daily insight -->
+        {% if latest_insight %}
+        <div class="pcard" style="background:#0f172a;border-color:#1e293b;">
+            <div class="d-flex justify-content-between align-items-center mb-2">
+                <span style="font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:#818cf8;">
+                    <i class="bi bi-stars me-1"></i>Daily Insight
+                </span>
+                <span style="font-size:10px;color:#475569;">{{ latest_insight.insight_date.strftime('%b %d') }}</span>
+            </div>
+            <p style="font-size:13px;color:#94a3b8;line-height:1.6;margin:0;">{{ latest_insight.content }}</p>
+            <form method="POST" action="{{ url_for('ai.trigger_insight') }}" class="mt-2">
+                <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+                <button type="submit" style="font-size:11px;background:none;border:none;color:#475569;cursor:pointer;padding:0;" title="Regenerate today's insight">
+                    <i class="bi bi-arrow-clockwise me-1"></i>Regenerate
+                </button>
+            </form>
+        </div>
+        {% else %}
+        <div class="pcard" style="background:#0f172a;border-color:#1e293b;">
+            <div style="font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:#475569;margin-bottom:8px;">Daily Insight</div>
+            <p style="font-size:13px;color:#64748b;margin-bottom:10px;">No insight generated yet.</p>
+            <form method="POST" action="{{ url_for('ai.trigger_insight') }}">
+                <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+                <button type="submit" class="btn btn-sm" style="background:#312e81;color:#818cf8;border:none;font-size:12px;">
+                    <i class="bi bi-stars me-1"></i>Generate Now
+                </button>
+            </form>
+        </div>
+        {% endif %}
+
+        <!-- Suggested questions -->
+        <div class="pcard" style="background:#0f172a;border-color:#1e293b;">
+            <div style="font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:#475569;margin-bottom:10px;">Suggested Questions</div>
+            <div class="d-flex flex-wrap gap-2">
+                {% set suggestions = [
+                    "Where did I overspend this month?",
+                    "How is my budget looking?",
+                    "Am I on track for my goals?",
+                    "What's my biggest expense category?",
+                    "Summarize my finances",
+                    "How can I save more?",
+                    "What's my net worth trend?",
+                    "Review my investments",
+                ] %}
+                {% for s in suggestions %}
+                <button class="suggestion-btn" onclick="fillSuggestion(this.textContent)">{{ s }}</button>
+                {% endfor %}
+            </div>
+        </div>
+
+        <!-- Tips -->
+        <div class="pcard" style="background:#0f172a;border-color:#1e293b;">
+            <div style="font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:#475569;margin-bottom:8px;">Tips</div>
+            <ul style="font-size:12px;color:#64748b;padding-left:16px;margin:0;line-height:1.8;">
+                <li>AI sees your last 90 days of transactions</li>
+                <li>Budget alerts and goal progress are included</li>
+                <li>No personal names are sent to the AI</li>
+                <li>Daily insights auto-generate at midnight</li>
+            </ul>
+        </div>
+    </div>
+</div>
+{% endblock %}
+
+{% block extra_js %}
+<script>
+const chatMessages = document.getElementById('chatMessages');
+const chatInput = document.getElementById('chatInput');
+const sendBtn = document.getElementById('sendBtn');
+const statusLine = document.getElementById('statusLine');
+
+// Enter to send
+chatInput.addEventListener('keydown', function(e) {
+    if (e.key === 'Enter' && !e.shiftKey) {
+        e.preventDefault();
+        sendMessage();
+    }
+});
+
+function fillSuggestion(text) {
+    chatInput.value = text;
+    chatInput.focus();
+}
+
+function scrollBottom() {
+    chatMessages.scrollTop = chatMessages.scrollHeight;
+}
+
+function addMessage(text, type) {
+    const div = document.createElement('div');
+    div.className = 'msg-' + type;
+    if (type === 'ai') div.innerHTML = text;
+    else div.textContent = text;
+    chatMessages.appendChild(div);
+    scrollBottom();
+    return div;
+}
+
+function sendMessage() {
+    const msg = chatInput.value.trim();
+    if (!msg) return;
+
+    chatInput.value = '';
+    chatInput.disabled = true;
+    sendBtn.disabled = true;
+    sendBtn.innerHTML = '<i class="bi bi-hourglass-split"></i>';
+
+    // User bubble
+    addMessage(msg, 'user');
+
+    // Typing indicator
+    const typingDiv = document.createElement('div');
+    typingDiv.className = 'msg-ai';
+    typingDiv.innerHTML = '<span class="typing-dot"></span><span class="typing-dot"></span><span class="typing-dot"></span>';
+    chatMessages.appendChild(typingDiv);
+    scrollBottom();
+
+    statusLine.textContent = 'Thinking…';
+
+    // SSE stream
+    const url = '/ai/stream?message=' + encodeURIComponent(msg);
+    const evtSource = new EventSource(url);
+    let aiDiv = null;
+    let buffer = '';
+    let first = true;
+
+    evtSource.onmessage = function(e) {
+        if (e.data === '[DONE]') {
+            evtSource.close();
+            chatInput.disabled = false;
+            sendBtn.disabled = false;
+            sendBtn.innerHTML = '<i class="bi bi-send"></i>';
+            statusLine.textContent = 'Powered by Groq · Context: last 90 days';
+            chatInput.focus();
+            return;
+        }
+
+        if (first) {
+            typingDiv.remove();
+            aiDiv = document.createElement('div');
+            aiDiv.className = 'msg-ai streaming';
+            chatMessages.appendChild(aiDiv);
+            first = false;
+        }
+
+        // Replace <br> back to newlines for rendering
+        const chunk = e.data.replace(/<br>/g, '\n');
+        buffer += chunk;
+        aiDiv.innerHTML = buffer.replace(/\n/g, '<br>');
+        aiDiv.classList.remove('streaming');
+        scrollBottom();
+    };
+
+    evtSource.onerror = function() {
+        evtSource.close();
+        typingDiv.remove();
+        if (!aiDiv) {
+            addMessage('Connection error. Please try again.', 'system');
+        }
+        chatInput.disabled = false;
+        sendBtn.disabled = false;
+        sendBtn.innerHTML = '<i class="bi bi-send"></i>';
+        statusLine.textContent = 'Powered by Groq · Context: last 90 days';
+    };
+}
+
+// Scroll to bottom on load
+scrollBottom();
+</script>
+{% endblock %}

app/templates/base.html

@@ -205,7 +205,7 @@
         </a>
 
         <div class="sb-section">AI</div>
-        <a href="#" class="sb-link">
+        <a href="{{ url_for('ai.index') }}" class="sb-link {% if request.blueprint == 'ai' %}active{% endif %}">
             <i class="bi bi-stars"></i><span class="lt">AI Assistant</span>
         </a>
     </div>

app/templates/dashboard/index.html

@@ -139,6 +139,32 @@
     </div>
 </div>
 
+
+<!-- AI Daily Insight -->
+{% if ai_insight %}
+<div class="pcard mb-4" style="background:linear-gradient(135deg,#0f172a 0%,#1e293b 100%);border-color:#334155;color:#f1f5f9;">
+    <div class="d-flex justify-content-between align-items-start mb-2">
+        <div class="d-flex align-items-center gap-2">
+            <i class="bi bi-stars" style="color:#818cf8;font-size:16px;"></i>
+            <span style="font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:#818cf8;">AI Daily Insight</span>
+            <span style="font-size:10px;color:#475569;">{{ ai_insight.insight_date.strftime('%b %d') }}</span>
+        </div>
+        <a href="{{ url_for('ai.index') }}" style="font-size:12px;color:#818cf8;">Ask AI →</a>
+    </div>
+    <p style="font-size:13px;color:#cbd5e1;line-height:1.6;margin:0;">{{ ai_insight.content }}</p>
+</div>
+{% else %}
+<div class="pcard mb-4" style="background:#0f172a;border-color:#1e293b;color:#94a3b8;">
+    <div class="d-flex justify-content-between align-items-center">
+        <div class="d-flex align-items-center gap-2">
+            <i class="bi bi-stars" style="color:#475569;font-size:16px;"></i>
+            <span style="font-size:13px;">AI daily insight not yet generated.</span>
+        </div>
+        <a href="{{ url_for('ai.index') }}" class="btn btn-sm" style="font-size:12px;background:#1e293b;color:#818cf8;border:1px solid #334155;">Open AI</a>
+    </div>
+</div>
+{% endif %}
+
 <!-- Accounts + Recent Transactions -->
 <div class="row g-3">
     <div class="col-12 col-lg-4">

scripts/daily_ai_insight.py

@@ -0,0 +1,25 @@
+#!/usr/bin/env python3
+"""
+Cron script: generate daily AI financial insight via Groq.
+Run by systemd timer pfm-aiinsight.timer at midnight daily.
+"""
+
+import sys
+import os
+sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+
+from app import create_app
+from app.services.ai_service import generate_daily_insight
+
+app = create_app()
+
+if __name__ == '__main__':
+    with app.app_context():
+        print('[ai_insight] Generating daily insight...')
+        content = generate_daily_insight()
+        if content:
+            preview = content[:200].replace('\n', ' ')
+            print(f'[ai_insight] Done: {preview}...')
+        else:
+            print('[ai_insight] Failed or skipped (already generated today).')
+            sys.exit(1)