An open-source AI financial advisor that learns your situation and gets smarter every conversation.

Tell Ray about your family, goals, and financial strategy once. From then on, every answer is grounded in your real situation — not generic advice. It connects to your bank, tracks your net worth and spending, and gives you a financial briefing before you type a word. Open source. Local-first. Encrypted.

• Your situation, always loaded — Every conversation starts with your financial profile: family, income, goals, strategy, key decisions, and open items. Ray reads it all before you type a word.
• Self-updating context — Got a raise? Had a baby? Decided to pay off debt aggressively? Ray updates your profile automatically when your situation changes.
• Long-term memory — Mention you're saving for a house or that you cancelled a subscription. Ray remembers across every future conversation.

• CFO personality — Ray doesn't list options. It tells you what it would do and why, references your goals, and flags problems you haven't noticed yet.
• Daily scoring — A 0-100 behavior score with streaks and 14 unlockable achievements. No restaurants for a week? That's Kitchen Hero. Five zero-spend days? Monk Mode.
• Budgets and goals — Track spending limits by category and progress toward financial goals.
• Smart alerts — Large transactions, low balances, budget overruns.

• Encrypted local database — All data stays on your machine in an AES-256 encrypted SQLite database.
• PII masking — Names, account numbers, and identifying details are scrubbed before anything reaches the AI. Your data is analyzed, not exposed.

• Bank sync via Plaid — Connect checking, savings, credit cards, investments, and loans. Supports 🇺🇸 United States, 🇬🇧 United Kingdom, and 🇨🇦 Canada.
• Scheduled daily sync — Automatic bank sync via launchd (macOS) or cron (Linux).
• Auto-recategorization — Define rules to automatically re-label transactions.
• Export/import — Back up and restore your financial data.

npm install -g ray-finance

Explore Ray with realistic fake data — no bank accounts needed.

ray demo                # seed a demo database
ray --demo status       # financial overview
ray --demo accounts     # linked accounts with balances
ray --demo spending     # spending breakdown by category
ray --demo budgets      # budget tracking
ray --demo goals        # financial goal progress
ray --demo score        # daily score, streaks, achievements
ray --demo alerts       # financial alerts
ray --demo transactions # recent transactions

The dashboard commands work with no setup at all. To also try the AI chat with demo data, run ray setup first and add an API key (Anthropic, OpenAI, or any OpenAI-compatible provider) — then ray --demo will start an interactive session where you can ask questions about the fake portfolio.

When you're ready to connect real accounts, run ray link.

ray setup

The setup wizard offers two modes:

We handle the API keys. Your data stays local. $10/mo.

1. Enter your name
2. Get a Ray API key (opens Stripe checkout)
3. Link your accounts — checking, savings, credit cards, investments, loans, mortgage
4. Done — daily sync auto-scheduled at 6am

Bring your own AI and Plaid credentials. Free forever.

1. Pick your AI provider — Anthropic, OpenAI, Ollama (local), or any OpenAI-compatible endpoint
2. Enter your API key and pick a model
3. Enter your Plaid credentials (get free keys)
4. Link your accounts — checking, savings, credit cards, investments, loans, mortgage
5. Done

Run ray --help to see all available commands.

  Checking · Savings · Credit · Investments · Loans · Mortgage
                            │
                        Plaid API
                            │
                 ┌──────────▼──────────┐
                 │   Local SQLite DB    │
                 │  (AES-256 encrypted) │
                 └──────────┬──────────┘
                            │
                 ┌──────────▼──────────┐
                 │      ray CLI         │
                 │  insights · tools   │
                 │  scoring · alerts   │
                 └──────────┬──────────┘
                            │
                       LLM API
                     (PII-masked)

Two outbound calls: Plaid (bank sync) and your AI provider (PII-masked). Supports Anthropic, OpenAI, Ollama, and any OpenAI-compatible endpoint. Your financial data is never stored off your machine. No telemetry. No analytics.

• All financial data stored locally in ~/.ray/data/finance.db
• Database encrypted with AES-256 (SQLCipher)
• Plaid access tokens encrypted at rest with AES-256-GCM
• Config file stored with 0600 permissions
• PII redacted before sending to any AI provider
• No data leaves your machine — only API calls to Plaid and your AI provider

Ray stores everything in ~/.ray/:

~/.ray/
  config.json          # API keys and preferences (0600 permissions)
  context.md           # Persistent financial context for AI
  data/
    finance.db         # Encrypted SQLite database
    demo.db            # Demo database (created by `ray demo`)
  sync.log             # Daily sync output

You can also configure Ray via environment variables or a .env file:

ANTHROPIC_API_KEY=          # Anthropic API key (if using Anthropic)
OPENAI_COMPATIBLE_KEY=      # API key for OpenAI or compatible provider
OPENAI_COMPATIBLE_BASE_URL= # Base URL (e.g. https://api.openai.com/v1, http://localhost:11434/v1)
RAY_PROVIDER=               # "anthropic" or "openai-compatible"
RAY_MODEL=                  # Model name (e.g. claude-sonnet-4-6, gpt-4o, llama3.1)
PLAID_CLIENT_ID=            # Plaid client ID
PLAID_SECRET=               # Plaid secret key
PLAID_ENV=production        # Plaid environment
DB_ENCRYPTION_KEY=          # Database encryption key
PLAID_TOKEN_SECRET=         # Key for encrypting stored Plaid tokens
RAY_API_KEY=                # Ray API key (managed mode, replaces the above)

• Bring your own model — use any LLM provider (OpenAI, Ollama, open-source models, etc.)
• Daily digest email — morning summary of your finances

Have an idea? Open a PR.

Questions, feedback, or need help getting set up? Email [email protected] or open an issue.

git clone https://github.com/cdinnison/ray-finance.git
cd ray-finance
npm install
npm run build
npm link   # Makes 'ray' available globally

PRs welcome. Please open an issue first for large changes.

MIT