Fungible – A local personal finance app in the terminal

In plain words

Fungible is a terminal-based personal finance app designed for users seeking a Mint alternative. It connects to banks through Plaid or accepts CSV imports, then auto-categorizes transactions based on user-defined rules. The app organizes spending into fixed, flexible, and discretionary categories, plus custom tags for tracking specific expenses like trips. It includes financial health metrics such as savings rate, liquidity runway, and FIRE projections. An optional integrated chatbot with MCP server support allows users to discuss finances and manage settings conversationally.

written from the facts on this page · September 2026

From the sources

Fungible is a terminal-based personal finance app that fills the Mint-shaped void in my life. It runs using your own plaid credentials (optional) and has its own integrated chatbot (also optional and BYO key).

Terminal UI and Desktop GUI for personal finance — Plaid sync, CSV import, AI assistant, and MCP server - tomfunk/fungible

Personal finance, keyboard-first. Available as a terminal UI or a desktop app — both running over the same local data: Plaid sync, CSV import, categorize, tag, search, analyze. Plus an MCP server so Claude can read and manage it forfrom github.com

In the maker’s words, at launch

Fungible is a terminal-based personal finance app that fills the Mint-shaped void in my life. It runs using your own plaid credentials (optional) and has its own integrated chatbot (also optional and BYO key). You connect banks via Plaid or import CSVs. Transactions get auto-categorized by rules you define. On top of…

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  RayApr 2026 · rayfinance.app · ▲293

  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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