Data flow diagram for a personal finance management system with user account management, transaction tracking, and budget monitoring as core processes. User interactions flow through account setup, income/expense recording, and budget configuration, with all data persisted in dedicated user, transaction, and budget databases. The dashboard aggregates transaction and budget data for unified display, while an AI-powered financial recommendation engine consumes transaction and budget records to deliver personalized insights. This architecture demonstrates separation of concerns across financial data domains, enabling scalable feature development and independent optimization of each process module.