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Terminal UI for personal finance — Plaid sync, CSV import, AI assistant, and MCP server

51 starsTypeScript

Fungible – A local personal finance app in the terminal

by tomfunk·May 25, 2026·30 points·15 comments
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AI Analysis

●●SolidCozyNiche Gem

MCP server lets Claude read your finances while Plaid tokens stay encrypted at rest.

Strengths
  • •Flexibility layer tags categories as fixed, flexible, or discretionary for controllable spending visibility.
  • •Financial health screen calculates FIRE projections with adjustable assumptions and liquidity runway.
  • •Dedup review automatically identifies CSV transactions that duplicate Plaid imports.
Weaknesses
  • •Requires Node.js 22+ and manual setup wizard, higher barrier than GUI alternatives.
  • •Plaid sandbox tier works but production credentials needed for real bank synchronization.
Category
Finance
Target Audience

Terminal users, FIRE enthusiasts, privacy-focused individuals

Similar To

Mint · Firefly III · Ledger CLI

Post 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.

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