Fungible – A local personal finance app in the terminal
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 normal categories there's a flexibility layer (fixed / flexible / discretionary) so you can see at a glance what's actually controllable spending. There are also tags (also separate from categories) for isolating things like trips or hobbies. The financial health…
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
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 normal categories there's a flexibility layer (fixed / flexible / discretionary) so you can see at a glance what's actually controllable spending. There are also tags (also separate from categories) for isolating things like trips or hobbies. The financial health screen does savings rate, liquidity runway, and FIRE projection with adjustable assumptions. Probably overkill but I like it. It also has an MCP server so Claude/ChatGPT can talk to you about your finances, create rules/tags, etc. That’s always the most annoying thing for me when trying a new personal finance tool. Hopefully this brings down the barrier to usefulness. The agent/chatbot in the app has the same tools as the Claude/ChatGPT would have via the MCP.
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