Ray logo

Ray

AI FintechVerified90% conf

Terminal-based AI CFO that analyzes your transactions and financial goals

rayfinance.app ↗

📍 Seattle, Washington, USA

Verified Data

💰
Est. Revenue<$100K ARR

“Solo founder, bootstrapped, early stage with 3,100+ Docker pulls and $10/month pricing suggests very early revenue generation, likely under $100K ARR”

🚀
FundingBootstrapped
📊
Monthly Traffic< 5,000 monthly visits

“< 5,000 monthly visits (Estimated)”

👥
Users3,100+ Docker pulls

“3,100+ (Docker pulls)”

🧑‍💻
Team Size1 employee
📈
Growth3,100+ Docker pulls and 88 GitHub stars within a week

“3,100+ pulls, 88 stars”

🏷️
StageBootstrapped
📅
Founded2025

Company Profile

ModelFreemium / Open-Source Core with Managed SaaS
VerticalPersonal finance, Developer tools
ClientsIndividual users and early adopters
BuyersTech-savvy individuals, developers, privacy-conscious personal finance users, male skewed (typical for CLI tools), ages 20-45
PricingFree Forever ($0) - Open-source, self-hosted; Ray Pro ($10/month) - Managed bank connection and AI keys

Contact

✉️ [email protected] LinkedInX @cjdinnison

Strategic Analysis

Strategy

Open-source core with freemium SaaS model targeting privacy-conscious developers and tech-savvy individuals. Leverages local-first architecture as key differentiator in personal finance space. Building community through developer-focused distribution channels.

Tactics

Launched on Hacker News and Reddit to target developer community. Uses Docker for easy deployment and self-hosting. Offers managed SaaS tier at $10/month to monetize users who want convenience over self-hosting.

Competitive Positioning

Differentiates from traditional personal finance apps like Mint or YNAB through privacy-first, local-only data processing. Positioned as the developer-friendly alternative that never sends financial data to external servers.

Marketing Approach

Community-driven growth through developer platforms like Hacker News, Reddit, and GitHub. Focus on privacy and open-source messaging to attract tech-savvy early adopters. Product Hunt launch for broader visibility.

Notable

Featured on Hacker News Show HN, achieved 3,100+ Docker pulls and 88 GitHub stars within first week of launch

🔗 Source ↗

Tech Stack

Node.jsNode.jsTypeScriptTypeScriptSQLiteSQLitePlaid APIAnthropic APIDockerDocker
🔗 Source ↗

Recent News

Show HN: Ray – an open-source AI financial advisor that runs in your terminalApr 1, 2026Launch of the open-source terminal-based AI CFO that allows users to analyze bank transactions locally.New Project Megathread - Week of 09 Apr 2026Apr 9, 2026The developer shared the project's early success, including 3,100+ docker pulls and 88 stars within a week.Ray: An AI Financial Advisor That Never Sees Your DataApr 1, 2026An analysis of the privacy benefits of Ray Finance's local-first architecture.

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Discovery Sources

Ray
Apr 13, 2026

Signals

web traffic< 5,000 monthly visits

“< 5,000 monthly visits (Estimated)”

growth rate3,100+ Docker pulls and 88 GitHub stars within a week

“3,100+ pulls, 88 stars”

team size1 employee
user count3,100+ Docker pulls

“3,100+ (Docker pulls)”

funding raisedBootstrapped
trend indicatorCommand Line Tools🔗 source ↗
trend indicatorDeveloper Tools🔗 source ↗
trend indicatorOpen Source🔗 source ↗
pricing present$10/mo🔗 source ↗

Evidence

producthunt.com

Free forever if you bring your own Anthropic + Plaid keys.