Ray Finance

Ray is an open source AI financial advisor that connects to a user's bank accounts and gives direct recommendations rather than charts. Ask whether a trip is affordable, whether a savings target is on track, or how to clear a card balance, and Ray answers with a specific course of action drawn from the actual transactions, balances and goals it has on file. It is built for individuals who want advice rather than reporting: freelancers and gig workers with uneven income, couples managing shared money, recent graduates and parents planning for a change in circumstances. Accounts connect through Plaid, and the app tracks net worth across every linked account, scores daily financial behavior on a scale of 0 to 100, flags unusual transactions, audits history for specific patterns and produces debt payoff plans. It remembers household situation, income, goals, risk tolerance and past decisions so later answers carry that context. All data stays local in an encrypted SQLite database on the user's machine; there is no cloud account holding the ledger. The code is released under the MIT license. Pricing is published in two tiers. The Free plan is self hosted: the user supplies their own AI API key and Plaid credentials, pays the model provider directly (the vendor estimates one to three dollars a month in typical usage) and must obtain Plaid production access, which requires a business entity and can take one to two weeks. Ray Pro is $10 per month and bundles the AI and bank connectivity so setup takes a few minutes. Both plans keep financial data on the user's own machine.