# How Ray compares

Honest, side-by-side comparisons with the most popular personal finance tools. We note where competitors are stronger — and where Ray's local-first AI approach wins.

## Head-to-Head

Direct feature and philosophy comparisons.

[Ray vs Mint](/content/compare/ray-vs-mint/index.html)  
Mint was the default personal finance app for over a decade. After it shut down in 2024, millions of users lost their go...

[Ray vs YNAB](/content/compare/ray-vs-ynab/index.html)  
YNAB (You Need A Budget) is a popular envelope budgeting app at $14.99/mo. Ray is an AI-first financial advisor that run...

[Ray vs Copilot Money](/content/compare/ray-vs-copilot-money/index.html)  
Copilot Money is a sleek $13/mo iOS finance app. Ray is an open-source CLI with AI advice. Both connect to your bank — b...

[Ray vs Monarch Money](/content/compare/ray-vs-monarch/index.html)  
Monarch Money is a $14.99/mo web and mobile finance dashboard built as the modern Mint replacement. Ray takes a differen...

[Ray vs Spreadsheets](/content/compare/ray-vs-spreadsheets/index.html)  
Spreadsheets give you total control over your finances. Ray gives you AI-powered answers with automatic bank sync. Here'...

[Ray vs Tiller](/content/compare/ray-vs-tiller/index.html)  
Tiller pulls your bank data into Google Sheets or Excel. Ray pulls it into an AI advisor. Both give you more control tha...

## Alternatives

Looking for a replacement? See how Ray fits in.

[Best Mint Alternative in 2025](/content/compare/mint-alternative/index.html)  
Mint shut down in March 2024, leaving millions of users looking for a replacement. Here's why Ray is the privacy-first, ...

[Best YNAB Alternative in 2025](/content/compare/ynab-alternative/index.html)  
YNAB's envelope budgeting isn't for everyone — especially at $14.99/month. If you want AI-powered financial advice inste...

## Try Ray free

Open source, local-first, and takes five minutes to set up.

```bash
$ npm install -g ray-finance
```

[View on GitHub](https://github.com/cdinnison/ray-finance)