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Developer Builds AI-Assisted Financial Affordability Engine at HackerRank Hackathon

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A developer participating in the HackerRank Orchestrate hackathon built a financial decision engine called 'Buy or Wait?' designed to assess whether a user can safely afford a purchase. Rather than relying solely on current account balance, the engine projects future balances by accounting for recurring income, pending debits, foreign-currency conversions, and scheduled expenses. The system evaluates multiple payment plans — including full payment, partial payment, and provider-supplied installments — rejecting any option that causes the balance to drop below a user-defined safety threshold. To handle cases where a purchase is initially unaffordable, the engine searches combinations of up to three spending adjustments instead of using a simpler greedy approach, improving solution reliability. While AI was integrated into the project, all core affordability decisions were handled by deterministic logic rather than a language model.

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Developer Builds AI-Assisted Financial Affordability Engine at HackerRank Hackathon · ShortSingh