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Getting reliable insights into household energy use is still a big issue for many people, especially in places where tools for tracking are limited or pricey. This work introduces Eco-Genius, a smart web-based system that uses affordable tech to check energy patterns in real time. It combines user inputs like location, daily hours, and habits with a Flask backend and online dashboards. The setup includes habit analysis, basic AI rules for risk scoring, and an optional predictive feature for future savings. Tests on different home setups—from city apartments to rural houses in Bidar—prove it can spot usage types and suggest ways to cut emissions. Outcomes indicate this method is budget-friendly, easy to roll out widely, and much better at ongoing tracking than old-school methods.