Ray

Ray

Ray is a terminal-based personal finance tool designed for people who want actionable guidance rather than just visualizations. Unlike most finance apps that present charts and dashboards, Ray focuses on helping you plan, track, and manage your money directly from your command line environment. It reads your real transaction data, keeps track of your financial goals, and makes recommendations to help you stay on track.

Privacy is central to Ray’s design. All computations and data processing happen on your own computer, meaning your financial information never has to leave your control. Users supply their own API keys for connecting to accounts, ensuring that sensitive data remains private and secure.

Built as an open-source project, Ray encourages transparency, customizability, and trust. Developers and power users can inspect the code, contribute enhancements, or tailor the tool to fit unique financial workflows. Whether you’re managing budgets, tracking expenses, or just want a smarter way to stay financially disciplined, Ray turns the abstract concept of a “personal CFO” into a practical, usable command-line tool.