Ray
Your personal CFO in the terminal
In plain words
Ray is a terminal-based personal finance tool that acts as a CFO for users' money. Instead of displaying charts like typical finance apps, it analyzes real transactions and provides actionable advice toward user-defined goals. The open-source tool runs locally on users' computers and requires users' own API keys, avoiding reliance on external servers. Ray is designed for people seeking practical financial guidance rather than visual dashboards.
written from the facts on this page · September 2026
From the sources
Most personal finance apps show you charts. Ray tells you what to do and actually helps you plan. A terminal-based CFO that reads your real transactions, remembers your goals, and runs on your computer — not someone else's server. Open source. Free with your own keys.
Does the same job
all alternatives →- RARay – an open-source AI financial advisor that runs in your terminalApr 2026 · rayfinance.app · ▲8
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.
- TFTopHat Finance – free, open, and offline2022 · athenodoros.github.io · ▲104
- FAFungible – A local personal finance app in the terminalMay 2026 · github.com · ▲30
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…
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