Fungible
A local personal finance app in the terminal
Details
- External ID
- 48271942
- Source
- HN
- Company
- —
- Product
- Fungible
- Website domain
- github.com
- Launched
- May 25, 2026
- Cohort
- —
- Upvotes
- 30
- Upvotes percentile
- 0.7988691437802908
- Tags
- —
- Fetched at
- Sept. 7, 2026, 9:26 p.m.
- Updated at
- Sept. 7, 2026, 9:26 p.m.
Description
Fungible is a terminal-based personal finance app that fills the Mint-shaped void in my life. It runs using your own plaid credentials (optional) and has its own integrated chatbot (also optional and BYO key).You connect banks via Plaid or import CSVs. Transactions get auto-categorized by rules you define. On top of normal categories there's a flexibility layer (fixed / flexible / discretionary) so you can see at a glance what's actually controllable spending. There are also tags (also separate from categories) for isolating things like trips or hobbies.The financial health screen does savings rate, liquidity runway, and FIRE projection with adjustable assumptions. Probably overkill but I like it.It also has an MCP server so Claude/ChatGPT can talk to you about your finances, create rules/tags, etc. That’s always the most annoying thing for me when trying a new personal finance tool. Hopefully this brings down the barrier to usefulness. The agent/chatbot in the app has the same tools as the Claude/ChatGPT would have via the MCP.
Enrichment
- Theme
- personal finance and expense trackers
- Vertical
- Fintech
- Function
- Vertical SaaS
- Audience
- B2C
- AI stance
- Not AI
- Project type
- Commercial product
- Normalized one-liner
- personal finance app for terminal
- Manually corrected
- False
Could you build this?
Yes It is a terminal-based CRUD app using Plaid's SDK or CSV parsers, local SQLite storage for categorizing transactions, and an optional LLM chat endpoint.
Discussion
15 comments analyzed.
Competitors mentioned: HODLings (crypto-focused holdings tracker), Open banking APIs, Ledger/Beancount (plaintext accounting)
Concerns raised: LLM connection to bank account security/privacy implications, Forgetting to export backup before browser wipe, Plaid support unclear for which banks/countries
Feature requests: Add screenshots or demo video to README, List of supported banks/countries for Plaid, Integration with plaintext accounting tools
Competitors
Other products that read as similar to this one — 99 launches clear the similarity bar, closest 8 shown.
Attention rank: #16 of 100 (itself plus its competitors, highest first — normalized so YC and Product Hunt are compared fairly).
Launched 203 days after the earliest competitor.
- Cadence Money · hn · 2026-07-29 · 8 upvotes · similarity 0.47
- Pane · hn · 2026-03-03 · 10 upvotes · similarity 0.43
- Perplexity Finance · ph · 2026-04-10 · 164 upvotes · similarity 0.42
- LangAlpha · hn · 2026-04-14 · 148 upvotes · similarity 0.41
- Ray · ph · 2026-04-12 · 297 upvotes · similarity 0.40
- Finantly · ph · 2026-09-26 · 8 upvotes · similarity 0.39
- ChatGPT for Personal Finance · ph · 2026-05-16 · 163 upvotes · similarity 0.39
- Ekselio · hn · 2026-09-25 · 42 upvotes · similarity 0.39
Other launches for this product
- No other launches for this product.
Same idea, different domain
Nobody's really built a vertical saas tool for Insurance yet.