Ray – an open-source AI financial advisor that runs in your terminal

Name: Ray – an open-source AI financial advisor that runs in your terminal
Availability: InStock
Author: kaniksu

by kaniksu·Apr 4, 2026·8 points·2 comments

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AI Analysis

●●SolidSolve My ProblemDark HorseCozy

PII stripping before LLM calls is clever, but Mint and Monarch already do financial analysis.

Strengths

•PII redaction tokens before LLM sees any personal data — genuine privacy architecture
•Encrypted local SQLite means no cloud storage of financial history
•Terminal UX with natural language queries beats dashboard-only competitors

Weaknesses

•Only 3 GitHub stars suggests very early stage with unproven stability
•Terminal interface limits mass appeal compared to mobile-first finance apps

Post 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.