Fintech & AI Engineering

Paham Pajak

Lead Full-Stack AI Engineer

An advanced Indonesian tax consultation platform featuring an AI advisor powered by Google Gemini and RAG. Tightly integrated with 7 robust tax calculators and a real-time analytics dashboard, Paham Pajak simplifies complex financial regulations through an intuitive, data-driven architecture.

Core Technologies

Next.js 16React 19Gemini APIRAGDrizzle ORMPostgreSQLRedis
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Information Architecture

Dynamic Tool Routing
& RAG Integration

Tax laws are dense and frequently updated. I architected a system utilizing Retrieval-Augmented Generation (RAG) over the DJP Coretaxpedia via Google Gemini's File Search Store.

Optimizing Token Costs

Handling high-volume AI queries requires aggressive cost management. I designed a dynamic tool routing strategy that inspects user messages and selectively injects context tools (`fileSearch`, `codeExecution`) only when required by the query intent.

For example, simple greetings skip tool injection entirely, saving significant prompt tokens. This intelligent routing is combined with a Redis-backed rate limiter and IDR-based user quotabuckets.

01 INTENT PARSING

Inspect incoming user query for math/tax keywords.

02 TOOL SELECTION

Inject `fileSearch` for regulations; `codeExecution` for math.

03 SSE STREAMING

Stream Gemini response via Server-Sent Events (SSE).

04 COST TRACKING (Usage Logs)

Calculate 5 token types → Update user IDR quota via Drizzle ORM.

Feature 01

Tax Planner Dashboard

Personalized Financial Strategy

The central user hub combining interactive quick estimating tools and financial summaries. It features a dedicated Tax Planner interface that hooks directly into the AI consultation engine to generate personalized, data-driven tax strategies.

  • Interactive Tax Planner interface
  • Real-time financial metric summaries
  • Direct routing to AI Consultation
  • Responsive grid layout via Tailwind v4
Tax Planner Dashboard
Tax Planner Dashboard
Feature 02

AI Tax Consultation

RAG + Gemini File Search

Conversational interface powered by Google's Gemini-3-flash. Answers are grounded in the official DJP Coretaxpedia regulations loaded locally via RAG. The UI actively parses markdown responses to inject dynamic 'Navigation Step' cards (e.g. Langkah 1, Langkah 2) for complex tax-filing workflows.

  • RAG via Gemini File Search Store
  • Dynamic Tool Routing logic
  • SSE Streaming for real-time latency
  • Interactive step-by-step navigation cards
AI Tax Consultation
AI Tax Consultation
Feature 03

Comprehensive Tax Calculators

Complex Financial Logic

Includes 7 fully interactive tax calculators (PPh 21 TER, PPh Badan, PPh UMKM, PPN, etc.). This feature handles dynamic TER rate tables and PTKP (Non-Taxable Income) values seamlessly across the Next.js React 19 Frontend.

  • 7 distinct calculation modules
  • Server-side state validation
  • Real-time cost updates
  • Clean shadcn/ui integration
Comprehensive Tax Calculators
Comprehensive Tax Calculators
Technology

Core Technologies

Next.js 16

Framework

React 19

Library

Gemini API

AI LLM

PostgreSQL

Database

Drizzle ORM

Schema/Types

Redis

Cache/Rate Limiting

Better Auth

Security

Tailwind v4

Styling

Recharts

Data Viz

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Architecture & Implementation

Paham Pajak showcases a rigorous, production-ready implementation of modern Next.js alongside advanced RAG AI integration and optimized real-time data flow.

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