Ray
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.
Ray launched on April 12, 2026 with 293 votes, #75 of 21,248 launches that month and more than 99% of that year's launches.
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.
Other finance apps show you what you spent. Ray tells you what to do. An open-source AI financial advisor that learns your full situation, uses your real bank data, and runs locally on your machine.
Every other finance app shows you what you spent. Ray tells you what to do about it —using your real bank data, running locally on your machine. Ray keeps a persistent profile of your life — family, income, goals, strategy, and key decisions. That’s why it can tell you what to do, not just show you what you spent. The advice you get on day 30 is nothing like day one, because Ray remembers everything that happened on days 1 through 29. You should aim to save 15–20% of your income. Consider building a 3–6 month emergency fund, then focus on paying off high-interest debt. You've got $34,200 in debt across two cards and a car loan. At $95k with two kids and a baby coming in March, I'd pause the…from rayfinance.app
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