Commerce · alternatives · 2026
24 alternatives to Cobalt
The most open way to manage your money
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
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Ray▲293I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
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A better way to manage your income, expenses & debts.
2024 · apps.apple.com · its alternatives →
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Coin Assistant▲139World's first financial AI-assistant for digital currencies
2019 · coin.xyz · its alternatives →
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uFincs is the easiest, privacy-friendly way of taking control of your finances. Control your money. Keep your data.
2021 · ufincs.com · its alternatives →
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Oinkoin makes managing personal finances easy and secure
2022 · play.google.com · its alternatives →
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Master your money: every expense, every detail
2023 · play.google.com · its alternatives →
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mycashflow▲74Clock your monetary transaction with the best application
2023 · mycashflow.app · its alternatives →
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Keep on top of your Gold, Silver and Platinum portfolio
2023 · preciousmetalsmanager.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →