Ray
Your personal CFO in the terminal
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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.
PH · launched Apr 12, 2026 · 297 upvotes (top 36%) · 1 view
Niche: personal financial planning software · 96 launches, 10 in the last 7 days ▼ -38% · Explore this niche →
Category and tags
- Fintech
- Agent / copilot
- Prosumer
- AI-native
- Commercial product
- Open Source
- Developer Tools
- GitHub
- Personal Finance
Visit website ↗ Source listing ↗
More like this: all 96 launches in personal financial planning software →
Could you build this?
Yes Ray is an open-source terminal CLI application (TUI) that connects to Plaid, stores transactions in a local SQLite file, and passes anonymized queries to an LLM API.
Competitors
Other products that read as similar to this one : 219 launches clear the similarity bar, closest 8 shown.
Attention rank: #79 of 220 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 155 days after the earliest competitor.
- Atlas: Your Personal CFO · ph · 2026-10-31 · 2 upvotes · similarity 0.52
- Local Personal Financial Assistant · hn · 2026-09-02 · 6 upvotes · similarity 0.49
- Ray · hn · 2026-04-04 · 8 upvotes · similarity 0.48
- Keel Home Finance · ph · 2026-09-28 · 1 upvotes · similarity 0.46
- FIN_TRACKER · ph · 2026-10-25 · 2 upvotes · similarity 0.46
- Fin OS · ph · 2026-10-28 · 2 upvotes · similarity 0.45
- FinX · ph · 2026-10-25 · 1 upvotes · similarity 0.45
- CASHNERA · ph · 2026-11-12 · 1 upvotes · similarity 0.43
The niche, labels, vibe code rating and competitor comparison on this page are analysis by Nicheloom. If you use them, please credit nicheloom.com. How you may use our data.