Ray

What is Ray?

Ray is an AI Finance tool. Open-source AI financial advisor that uses real bank data and runs locally. Ray is free to use. It is available on Windows, macOS and Linux. It is aimed at individuals, financial planners and budgeters.

An open-source AI financial advisor that learns your full financial situation, uses real bank data, and runs locally on your machine. It provides financial advice, budget tracking, and net worth tracking across all accounts.

Built for individuals, financial planners and budgeters.

Key capabilities

• Chat
• Coding

Features

• AI-Powered Financial Advice

  Provides financial advice using real bank data.

• Local-First Data Storage

• Bank Connectivity

  Connects to 12,000+ banks via Plaid.

• Open Source

  Licensed under MIT.

• Privacy-Enhanced Queries

• Spending Analysis

  Tracks and analyzes spending patterns.

• Net Worth Tracking

  Monitors net worth across all accounts.

• Debt Payoff Planning

• Cash Flow Projection

• Financial Goal Tracking

• Affordability Check

  Asks 'Can I afford to take this trip?'

• Credit Score Monitoring

Use cases

• Analyze spending patterns and track budgeting
• Track net worth across all accounts
• Plan debt repayment strategies
• Project future cash flow
• Monitor progress towards financial goals
• Check affordability of trips and expenses

Pros & cons

Pricing

Free.

Integrations

• PayPal

Developer & API

Security & compliance

• Encryption

As stated on Ray's website — not independently verified by AiByts.

FAQ