Ray

Ray is an open‑source AI financial advisor that runs locally on a user’s machine and connects directly to bank accounts. It builds a persistent profile that includes family composition, career stage, financial goals, risk tolerance, life events, and past decisions, updating the profile automatically as new data arrives. Users can query the system through a terminal interface for insights such as net worth, spending breakdowns, credit scores, or the feasibility of specific purchases.

The tool presents dashboards summarizing recent activity and provides personalized advice based on the user’s complete financial picture. Unlike generic chat models, Ray tailors its responses to the individual’s history, offering concrete recommendations about debt repayment, budgeting, and upcoming expenses.

Ray is distributed under the MIT license and can be installed via npm. Its design emphasizes transparency and auditability, with all processing performed locally, so users retain full control over their financial data.