{"repo":"cdinnison/ray-finance","free":true,"listed":false,"github":"https://github.com/cdinnison/ray-finance","clone":"git clone https://github.com/cdinnison/ray-finance.git","description":"An open-source AI financial advisor that learns your situation and gets smarter every conversation.","language":"TypeScript","stars":295,"topics":["ai","budgeting","claude","cli","finance","financial-advisor","fintech","llm","open-source","personal-finance"],"license":"MIT","category":"ai-agents","readme_excerpt":"Other finance apps show you what you spent. Ray tells you what to do. The open-source AI financial advisor that turns your real bank data into your next move. You already know where the money went. That's the easy part — every app does it. The part that's missing is what to do about it. Ray is that part. Tell Ray about your family, goals, and strategy once. From then on, every answer is a real recommendation grounded in your actual numbers — not another chart, not generic advice. Ask \"can I afford this?\" and Ray gives you a yes, a no, or a \"not yet, and here's what would change that.\" Open source. Local-first. Encrypted. Why Ray is different Dashboards show. Ray tells. Monarch, Copilot, YNAB, Mint — they sort your transactions into pie charts and call it insight. You still have to figure out what to do next. Ray closes that loop: it takes your real bank data, factors in your goals and situation, and hands you the decision. Example — you ask \"how should I deal with my debt?\" - ChatGPT: \"Aim to save 15–20% of your income. Consider a 3–6 month emergency fund, then focus on high-interest debt.\" - Your budgeting app: A pie chart of debt payments by month. - Ray: \"You've got $34,200 across two cards and a car loan. At $95k with a baby coming in March, pause the Japan fund and throw that $440/mo at the Chase card — it's at 24.9%. That clears it by September and frees up $340/mo before the baby arrives.\" That's the difference. Ray doesn't describe your situation back to you. It tells","default_branch":null,"files":null,"tree":[],"storefront":"/r/cdinnison","claimed":false,"request_supported":{"post":"https://gitbuyer.com/r/cdinnison/ray-finance/request-supported","requests":0},"note":"indexed from public GitHub; nothing is for sale on this page. Clone it from GitHub. Paid listings live at /search."}