Built for you
Ray Finance for every life stage
Your finances are unique. Ray connects to your bank and gives advice that fits your actual situation — not generic tips from a blog post.
Freelancers
Irregular paychecks, quarterly taxes, and feast-or-famine cycles make traditional budgeting tools useless. Ray works with your actual cash flow patterns.
Couples
Joint accounts, separate accounts, shared goals, different spending habits. Ray sees all of it together and helps you make decisions as a team.
College Students
Part-time income, student loans, and zero financial education. Ray helps you build real money habits before you graduate.
Parents
Childcare costs, education savings, growing expenses, and shrinking free time. Ray tracks it all so you can focus on your family.
Solopreneurs
When your business account is your personal account, every financial question has two answers. Ray gives you both.
Retirees
Fixed income, rising healthcare costs, and withdrawal math that changes every year. Ray monitors your portfolio and tells you when to adjust.
New Grads
Student loans, a 401k you don't understand, and more money than you've ever had. Ray helps you make the right moves in year one.