Ray
an open-source AI financial advisor that runs in your terminal
Details
- External ID
- 47644133
- Source
- HN
- Company
- —
- Product
- Ray
- Website domain
- rayfinance.app
- Launched
- April 4, 2026
- Cohort
- —
- Upvotes
- 8
- Upvotes percentile
- 0.4813624678663239
- Tags
- —
- Fetched at
- Sept. 7, 2026, 9:26 p.m.
- Updated at
- Sept. 7, 2026, 9:26 p.m.
Description
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.
Enrichment
- Theme
- AI agents for business operations
- Vertical
- Fintech
- Function
- Agent / copilot
- Audience
- B2C
- AI stance
- AI-native
- Project type
- Hobby / open-source project
- Normalized one-liner
- ai financial advisor for the terminal
- Manually corrected
- False
Could you build this?
Yes The app wraps Plaid APIs to pull banking transactions into a local SQLite database and passes sanitized financial summaries to an LLM via terminal prompts.
Discussion
2 comments analyzed.
Competitors
Other products that read as similar to this one — 111 launches clear the similarity bar, closest 8 shown.
Attention rank: #53 of 112 (itself plus its competitors, highest first — normalized so YC and Product Hunt are compared fairly).
Launched 157 days after the earliest competitor.
- Ray · ph · 2026-04-12 · 297 upvotes · similarity 0.48
- Pane · hn · 2026-03-03 · 10 upvotes · similarity 0.47
- I built an AI that knows my net worth: 3 countries, 6 currencies · hn · 2026-07-06 · 6 upvotes · similarity 0.44
- FactIQ · hn · 2026-07-08 · 7 upvotes · similarity 0.42
- Selfin: building the first AI Bank 🏦 · yc · 2025-11-12 · 757 upvotes · similarity 0.42
- Finterm.ai Bloomberg terminal for Claude Code · hn · 2026-07-13 · 6 upvotes · similarity 0.41
- Autonomous – Superintelligent financial advisor at 0% advisory fees · yc · 2026-01-07 · 72 upvotes · similarity 0.41
- I built a Wikipedia based AI deduction game · hn · 2026-04-16 · 9 upvotes · similarity 0.41
Other launches for this product
- No other launches for this product.
Same idea, different domain
Nobody's really built a agent / copilot tool for Agriculture yet.