My Financial Pal

What it does

My Financial Pal is your friendly, no-fuss money sidekick. In just a few simple steps, you’ll get a tailor-made plan to help you crush debts, grow savings, and gain total financial confidence. Let’s turn your money goals into reality—starting now!

In the maker’s words, at launch

Hi HN, I’ve been working on a project called My Financial Pal, a free web app that generates personalized financial plans in just a few minutes. The way it works: You answer a short questionnaire about your income, expenses, debts, and goals The app uses AI to analyze your answers You immediately receive a custom PDF…

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  RayApr 2026 · rayfinance.app · ▲298

  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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