Ray Finance for every life stage
Your finances are unique. Ray connects to your bank and gives advice that fits your actual situation — not generic tips from a blog post.
Target Audiences
- Freelancers: Irregular paychecks, quarterly taxes, and feast-or-famine cycles make traditional budgeting tools useless. Ray works with your actual cash flow patterns. Learn More
- Couples: Joint accounts, separate accounts, shared goals, different spending habits. Ray sees all of it together and helps you make decisions as a team. Learn More
- College Students: Part-time income, student loans, and zero financial education. Ray helps you build real money habits before you graduate. Learn More
- Parents: Childcare costs, education savings, growing expenses, and shrinking free time. Ray tracks it all so you can focus on your family. Learn More
- Solopreneurs: When your business account is your personal account, every financial question has two answers. Ray gives you both. Learn More
- Retirees: Fixed income, rising healthcare costs, and withdrawal math that changes every year. Ray monitors your portfolio and tells you when to adjust. Learn More
- New Grads: Student loans, a 401k you don't understand, and more money than you've ever had. Ray helps you make the right moves in year one. Learn More
Try Ray free
Open source, local-first, and takes five minutes to set up.
$ npm install -g ray-finance