Ray

An open-source AI financial advisor that learns your full situation and gives personalized advice from your real bank data running locally.

Ray: In beta, open to join. Get it at rayfinance.app.

Ray is an open-source AI financial advisor that runs locally on users' machines while connecting to their actual bank accounts and financial institutions. The tool serves individuals who want personalized financial guidance without compromising data privacy or paying expensive advisor fees. Ray learns users' complete financial situations including family circumstances, career stage, goals, and risk tolerance to provide contextual advice about spending, savings, trips, and financial decisions. Unlike traditional dashboards or budgeting apps, Ray functions as an intelligent advisor that remembers past conversations and decisions while analyzing real-time account data to answer questions like...