Ray: An AI Financial Advisor That Never Sees Your Data Leave Your Laptop
Every AI finance app wants your bank login. Ray wants it too, but here is the difference: the data never leaves your machine. Ray connects to 12,000+ banks via Plaid, pulls your transactions and balances into an encrypted SQLite database on your laptop, then uses Claude to answer real financial questions. No cloud account, no server, no company storing your bank data.
The questions you can ask are genuinely useful. "Can I afford this trip?" "Should I pay off debt or invest?" "Where did my money go last month?" Ray has 30+ financial tools β spending analysis, net worth tracking, debt payoff planning, cash flow projections, anomaly detection. Every AI query masks your PII before it hits the API, so Claude never sees your actual account numbers or names.
The privacy architecture is worth noting. Ray runs as a terminal app. Your financial data lives in an encrypted local database. AI queries go out with PII stripped. Responses come back and get re-hydrated locally. All tool calls are logged so you can audit exactly what happened. Open source under MIT, so you can verify every claim yourself.
Free if you self-host with your own Anthropic and Plaid keys (roughly $1-3/month in API costs). Ray Pro is $10/month with managed setup.
https://rayfinance.app
https://github.com/cdinnison/ray-finance
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The questions you can ask are genuinely useful. "Can I afford this trip?" "Should I pay off debt or invest?" "Where did my money go last month?" Ray has 30+ financial tools β spending analysis, net worth tracking, debt payoff planning, cash flow projections, anomaly detection. Every AI query masks your PII before it hits the API, so Claude never sees your actual account numbers or names.
The privacy architecture is worth noting. Ray runs as a terminal app. Your financial data lives in an encrypted local database. AI queries go out with PII stripped. Responses come back and get re-hydrated locally. All tool calls are logged so you can audit exactly what happened. Open source under MIT, so you can verify every claim yourself.
Free if you self-host with your own Anthropic and Plaid keys (roughly $1-3/month in API costs). Ray Pro is $10/month with managed setup.
https://rayfinance.app
https://github.com/cdinnison/ray-finance
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