Alternatives
Products that do what Ray – an open-source AI financial advisor that runs in your terminal does
I'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.
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Quick background: I used to code. Studied it in school, wrote some projects, but eventually convinced myself I wasn't cut out for it. Too slow, too many bugs, imposter syndrome — the usual story. So I pivoted, ended up as an investment associate at an early-stage angel fund, and haven't written real code in years. Fast forward to now. I'm a Buffett nerd — big believer in compound interest as a mental model for life. I run compound interest calculations constantly. Not because I need to, but because watching numbers grow over 30-40 years keeps me patient when markets get wild. It's basically…
Jan 2026 · calquio.com
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Hey everyone! I'm Rob and I want to share what I've built - a solid ledger behind simple API: https://decimals.app The ledger is a key piece of any financial system and is easy to get the design wrong, resulting in troubles for making sure money movements are adding up. I took a lot of inspiration from good designs from Square, Uber, and others for the scalability and security aspects. And on the usability side, I applied many concepts from the Ledger CLI, making it very easy to use. I'm really happy I get to show this to you all, thank you for reading about it! Please let me know…
2020
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For years, I have struggled to understand my cash flow and save for the future. In addition to that, my wife has many credit cards and accounts that complicate matters. I am building a tool that connects all our accounts, helps us create a budget, and tracks and adjusts expenses on the fly. I am also sprinkling some AI magic on it for financial suggestions. I am looking for feedback on the implementation. More importantly, I am looking for more beta testers to improve the product.
2023 · financemadelovely.com
- 10PF
Hey guys, I am trying to do something different, Fintech + AI. I feel there is a complete abundance of Fintech AI tools in the B2B Saas space but not so much done for the consumer space. So I started working on project-hermes, it's a personal financial advisor designed to understand your bank statements and credit reports with ease and intelligence. What makes Project Hermes unique? 1. AI-powered insights: Get smart, tailored advice on your financial health. 2. Easy to use: Just upload your documents and let Hermes do the rest! 3. Secure and private: Your data's safety is our top priority.…
2024 · project-hermes-ai.vercel.app
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Hi HN! I’m Thunder. Longtime lurker and first time poster. I’m excited to present Moneta (https://moneta.studio/) with my co-founder Rob. *Moneta is a conversation-as-code platform for building multiplayer AI-native applications in which the AI can reactively update the application based on interactions with users or other AI via CRDTs.* The key idea is that rather than using a conversation to generate an application, in Moneta the conversation *is* the application. We call this idea 'conversation as the engine of application state' (CATEOAS). This means that instead of saying…
2025
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I haven't seen anything like this so I decided to build it in a weekend. How it works: You see a bunch of things pulled from Wikipedia displayed on cards. You ask yes or no questions to figure out which card is the secret article. The AI model has access to the image and wiki text and it's own knowledge to answer your question. Happy to have my credits burned for the day but I'll probably have to make this paid at some point so enjoy. I found it's not easy to get cheap+fast+good responses but the tech is getting there. Most of the prompts are running through Groq infra or hitting a cache…
Apr 2026 · sleuththetruth.com
- 13IB
I'm Canadian, live abroad, and my money is scattered across two countries, multiple currencies, banks, brokerages, real estate, and some private equity. No app could hold all of it, and none could answer a simple question like "what's my actual USD exposure?" Brisa pulls everything together (Plaid + manual accounts + real estate + PE, all multi-currency) and puts an AI on top that has my full financial picture in context. Instead of clicking through charts, I can just ask. Would appreciate any feedback!
Jul 2026 · demo.joinbrisa.com
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I spent the last year building Raya Cash, a virtual bank designed specifically for the Argentine market. As a solo founder, I handled everything—from coding the platform to integrating features that cater to both local currency (ARS) and crypto enthusiasts. The goal? To give users in Argentina a secure and efficient way to manage their money, bridging the gap between traditional banking and decentralized finance. Would love your feedback or any questions!
2025 · raya.cash
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Built a free open source agentic CLI tool for financial modeling & analysis. Hadn't played around with real equity valuation modeling for awhile and wanted to build tooling to get myself back into the game. Bull.sh lets you query & store 10-Qs, 10-K in a local vector store to chat with them, build investment thesis from scratch or build full framework models through the CLI to export into excel. It's open source, just requires your own Anthropic API key and (optionally) AlphaVantage Free API key if you want save some tokens from scraping. Feel free to play around with it. Some ideas I have…
Jan 2026 · github.com
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Hey HN, we built an Econ+Finance database to let AI agents do investment research. We spend a lot of tokens to organize macro releases and SEC filings into a clean format, so that your agents have more context to do actual analysis. The problem AI agents are great at data analysis. But they become ineffective if most of their context window is spent on gathering and cleaning data, instead of validating hypotheses. Data in the wild is messy and rarely standardized. Definitions and measurements change over time. This problem is compounded by a fragmented data universe. Point solutions exist…
Jul 2026 · github.com
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I'm an "ideas person" who messes around with AI on a low budget. I got tired of watching my tokens vanish and context windows filling up while agents fumbled around trying to find the right thing. Agents don't flail like they used to with shell tools, but there are still weak/blind spots and back-and-forth episodes — especially when using tools in combination/sequence. So I built "tilth" today. Or rather, AI built it — every line is Opus 4.6. I spent a lot of my precious tokens getting it to "not shit" (at least several of the different vendors' AI overlords assure me it's not…
Feb 2026 · github.com
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Hey HN, I’m the founder of SyncAI. Previously, I was building internal tools for a fintech startup. We tried using GPT-4 Vision and various OCR APIs to automate our Accounts Payable. They worked great for ~90% of documents. The problem was the other 10%: crumpled receipts, handwritten delivery notes, or invoices with weird layouts. In fintech, a 90% success rate isn’t automation; it’s a liability. We spent more time fixing the AI’s hallucinations than if we had just typed it manually. I realized that for high-stakes operations, we didn’t need "better AI"—we needed a Safety Layer. So I built…
Jan 2026 · sync-ai-11fj.vercel.app
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For the last few months I have been analysing Peter Lynch’s books on stock picking and doing prompt engineering to check if AI could create useful stock analyses. To my surprise it started making reports that allow me to understand companies much faster with well cited sources. I hope you find it interesting and useful :) Perter Lynch’s books I analyzed: Learn to earn, One up on Wall Street, Beating the street
Jun 2026 · github.com
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I built Hermes, an open-source Python framework for multi-agent financial research. Most AI “equity research” demos stop at generating text. In practice, real workflows require pulling structured XBRL financials from SEC filings, extracting labeled sections like MD&A and Risk Factors, merging macro and market data, building actual Excel models with formulas, and generating investment memos in Word or PDF. Hermes is designed to handle that full pipeline end to end. It includes 35 financial data tools covering SEC EDGAR (via edgartools), FRED, Yahoo Finance market data, and RSS-based financial…
Feb 2026 · github.com
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