Platypus12345/AllowanceAI — reverse-engineered prompt

Build me AllowanceAI, an AI powered money survival app for students. I want a polished neon fintech style web app that students can install like an app on their phone or desktop.

Users should be able to sign up, log in with email or Google, add their allowance and expenses, set budgets and goals, and see a dashboard that tells them things like their financial safety score, daily spending limit, spending predictions, and where their money is going. Include expense categories, recurring expenses, duplicate detection, a spending calendar or heatmap, monthly reports, and a fun Financial Wrapped style summary.

Add an AI chat coach that can answer budgeting questions, give smart advice, and help users understand their habits. It should also support SMS expense parsing if possible, plus notifications, streaks, badges, and XP to make saving money feel motivating.

Use the existing full stack setup with a web app, backend API, AI service, and optional mobile app. Make it production ready with sensible auth, database models, API routes, and deployment friendly environment variables.