Ray

Ray, built by independent developer Clark Dinnison and open source under the MIT license, is an AI-powered financial advisor that analyzes a user's bank data and provides actionable recommendations rather than just displaying spending charts, answering questions like 'Can I afford this trip?' based on the user's actual financial situation. It connects to more than 12,000 financial institutions through Plaid, stores data in an encrypted local database with no cloud storage, and includes a memory system that remembers goals, family situation, and past financial decisions. Ray offers more than 30 financial tools including trip affordability analysis, net worth calculation, and transaction anomaly detection, plus a daily 0-100 financial behavior score with achievement tracking. Pricing is a freemium/open-source hybrid: the free tier is fully open source and self-hosted using your own API keys (requiring about two weeks for Plaid setup), while Ray Pro is a $10/month subscription with pre-integrated credentials for 5-minute setup; both versions keep data local on the user's machine. Ray reached #2 Product of the Day on Product Hunt.