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Ray

Ray

⭐ Featured

Your personal CFO in the terminal

271upvotes
Launched April 12, 2026
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About Ray

Ray is an innovative, open-source personal finance management tool designed for users who prefer control and privacy. Unlike traditional apps that display charts and summaries, Ray acts as a terminal-based CFO, directly reading your real financial transactions to provide actionable insights and personalized plans. It emphasizes transparency and security by running locally on your computer and requiring your own API keys, making it ideal for privacy-conscious users and developers. Ray's unique approach combines the power of automation with the flexibility of command-line interaction, appealing to tech-savvy individuals who want a more integrated and customizable financial assistant. Its open-source nature invites community contributions, fostering continuous improvement and adaptability to various personal finance needs.

Screenshots

Ray screenshot 1
Ray screenshot 2

Pros

  • ✓Open-source and privacy-focused, running locally on your device
  • ✓Provides actionable financial advice rather than just charts
  • ✓Highly customizable for tech-savvy users
  • ✓Supports integration with personal transaction data via API keys
  • ✓Free to use, making it accessible for a wide audience

Cons

  • ✗Requires familiarity with command-line interfaces
  • ✗Setup may be complex for non-technical users
  • ✗Limited user interface compared to traditional apps

Use Cases

1Personal finance planning and goal tracking
2Automating financial decision-making via terminal commands
3Integrating with existing transaction data sources for detailed analysis
4Developers customizing a private CFO tool for specific needs
5Learning and experimenting with finance automation and open-source tools

Pricing

Free and open source, with users needing to supply their own API keys for transaction access.

Quick Info

Category💻 Developer Tools
Upvotes271
Comments28
Launched4/12/2026

Topics

Open SourceDeveloper ToolsGitHubPersonal Finance

Alternatives

•YNAB (You Need A Budget)
•Personal Capital
•Mint
•Fudget
•Firefly III

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