I have a couple Tapo cameras set up with HA, I had to use the tapo app initially to set up but once they’re set up you can ditch it and run the system entirely locally. I saw someone had a way to configure them locally too, but it wasn’t simple enough for me to bother and I was fine with the one time step.

If that’s all you want to do, one of the cheaper Ubiquiti managed gateways would probably work and not break the bank.

If you want to tinker even harder, an open source router running https://openwrt.org/ (or even their own device) may be a good option.

Why?

You aren’t going to find a useful AI system for personal use in Finance, you simply don’t have the scale needed to benefit from it. You don’t make enough transactions per month that looking over it yourself is going to be any slower than reading the AI summary.

The question as with most process optimization and data analysis is, what’s the actual result you’re hoping for? If you want it to be able to summarize WALMART, WAL-MART and WMART so you can see those numbers added together, you already know you spent a lot at Walmart. Whare are you going to actually do with that information?

Saving money doesn’t really need an AI, there really aren’t many ways to cut budgets down short of paying attention to the most obvious spending problems (Too much housing, too much vehicle, too much food (especially eating out), and too much entertainment(too many subscription platforms))

It’s usually a far better investment of time to improve your earning power (upskill, change jobs, add hours, etc.)

Cutting $40 per month from your budget by not going to the movies every week just isn’t going to have the impact you need in your life.

Even if you could shave off 50% at idle, you’re talking about like $0.10 per day in power savings. Is it really worth spending any time on that?