# rayfinance.app

> AI-optimized mirror of rayfinance.app containing 50 pages totalling 15,136 words of clean markdown content, structured data, and semantic HTML. Original source: https://rayfinance.app/. Last updated: 2026-05-01T01:39:35.116Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [site-root.html](/site-root.html) (1 words)

## Articles & Blog Posts

- [Ray vs Monarch Money](/compare/ray-vs-monarch/index.html): Compare Ray's local-first AI financial advisor to Monarch Money's web and mobile dashboard. Features, pricing, privacy, and which fits your workflow. (459 words)
- [Ray vs Copilot Money](/compare/ray-vs-copilot-money/index.html): Compare Ray's open-source AI financial advisor to Copilot Money's premium iOS app. Features, pricing, privacy, and which is right for you. (454 words)
- [Ray vs Tiller](/compare/ray-vs-tiller/index.html): Compare Ray's AI-powered financial advisor to Tiller's spreadsheet approach. Stop building formulas — just ask questions and get answers from your real bank data. (580 words)
- [Best YNAB Alternative in 2025](/compare/ynab-alternative/index.html): Looking for a YNAB alternative? Ray is an AI-powered financial advisor that costs $0-$10/mo. No envelope budgeting — just ask questions and get answers from your real data. (532 words)
- [Ray for College Students](/for/college-students/index.html): Ray helps college students create their first budget, understand student loans, and build financial habits. Free, open-source CLI that connects to your bank. (482 words)
- [Ray vs Spreadsheets](/compare/ray-vs-spreadsheets/index.html): Compare Ray's AI-powered financial advisor with automatic bank sync to managing your finances in spreadsheets. When each approach makes sense. (490 words)
- [Ray vs YNAB](/compare/ray-vs-ynab/index.html): Compare Ray's AI-powered financial advisor to YNAB's envelope budgeting. Pricing, features, privacy, and which approach fits your style. (461 words)
- [A financial advisor that gets freelancer income](/for/freelancers/index.html): Ray connects to your bank and helps freelancers manage irregular income, estimate quarterly taxes, and track runway. Open source, local-first CLI. (459 words)
- [Best Mint Alternative in 2025](/compare/mint-alternative/index.html): Mint shut down in 2024. Ray is an open-source, local-first AI financial advisor that keeps your data private. See how it compares to other Mint alternatives. (518 words)
- [Ray vs Mint](/compare/ray-vs-mint/index.html): Mint shut down in 2024. Compare Ray's local-first AI financial advisor to what Mint offered — privacy, features, pricing, and who should switch. (501 words)
- [Glossary](/learn/401k/index.html): A 401(k) is an employer-sponsored retirement plan with tax advantages and employer matching. Learn contribution limits and how Ray tracks yours. (264 words)
- [Ray for Couples](/for/couples/index.html): Ray connects to both partners' bank accounts and gives couples a combined financial picture, shared goal tracking, and fair split calculations. Open source CLI. (446 words)
- [Time Value of Money](/learn/time-value-of-money/index.html): Time value of money means a dollar today beats a dollar tomorrow. Learn how TVM drives financial decisions and how Ray projects your growth. (301 words)
- [Zero-Based Budget](/learn/zero-based-budget/index.html): Zero-based budgeting assigns every dollar a job until income minus allocations equals zero. Learn the method and how Ray tracks your spending. (276 words)
- [Savings Rate](/learn/savings-rate/index.html): Savings rate is the percentage of income saved, not spent. Learn why it matters more than income level and how Ray calculates yours. (259 words)
- [Portfolio](/learn/portfolio/index.html): A portfolio is your total collection of investments. Learn why a unified view matters and how Ray consolidates all your accounts. (262 words)
- [Tax Bracket](/learn/tax-bracket/index.html): Tax brackets set marginal rates on income ranges. Learn how progressive taxation actually works and how Ray estimates your effective rate. (281 words)
- [Roth IRA](/learn/roth-ira/index.html): A Roth IRA offers tax-free retirement withdrawals funded with after-tax dollars. Learn contribution limits, income limits, and how Ray tracks yours. (272 words)
- [Mutual Fund](/learn/mutual-fund/index.html): A mutual fund pools investor money for a diversified portfolio. Learn active vs. index funds and how Ray compares your fund fees. (278 words)
- [Net Income](/learn/net-income/index.html): Net income is your take-home pay after all deductions. Learn why it's the only number that matters for budgeting and how Ray tracks it. (256 words)
- [Debt-to-Income Ratio](/learn/debt-to-income-ratio/index.html): Debt-to-income ratio measures monthly debt payments vs. gross income. Learn the DTI thresholds lenders use and how Ray calculates yours. (257 words)
- [Yield](/learn/yield/index.html): Yield is the income return on an investment as a percentage. Learn interest vs. dividend yield and how Ray tracks your portfolio income. (266 words)
- [Gross Income](/learn/gross-income/index.html): Gross income is total earnings before deductions. Learn how it differs from net income and how Ray calculates yours from all sources. (248 words)
- [Rule of 72](/learn/rule-of-72/index.html): The Rule of 72 estimates investment doubling time: divide 72 by your return rate. Learn this mental shortcut and how Ray projects your growth. (284 words)
- [FICO Score](/learn/fico-score/index.html): FICO score is the credit scoring model used by 90% of top lenders. Learn the five factors that determine it and how Ray monitors them. (258 words)
- [Inflation](/learn/inflation/index.html): Inflation is the rate at which prices rise, reducing purchasing power. Learn how it erodes cash savings and how Ray tracks your real returns. (272 words)
- [Bear Market](/learn/bear-market/index.html): A bear market is a 20%+ decline in market indexes. Learn how long they last, historical recoveries, and how Ray keeps you focused on your plan. (278 words)
- [Expense Ratio](/learn/expense-ratio/index.html): Expense ratio is the annual fee funds charge shareholders. Learn how even small fee differences compound and how Ray shows your costs. (260 words)
- [APR (Annual Percentage Rate)](/learn/apr/index.html): APR is the annual cost of borrowing including fees. Learn how APR differs from interest rate and how Ray tracks your interest charges. (253 words)
- [Capital Gains](/learn/capital-gains/index.html): Capital gains are profits from selling assets. Learn short-term vs. long-term tax rates and how Ray tracks your investment gains. (280 words)
- [Asset Allocation](/learn/asset-allocation/index.html): Asset allocation divides investments among stocks, bonds, and cash. Learn why it drives returns and how Ray shows your current mix. (261 words)
- [Liquidity](/learn/liquidity/index.html): Liquidity measures how easily assets convert to cash. Learn why the right liquid-to-illiquid balance matters and how Ray tracks yours. (252 words)
- [Bull Market](/learn/bull-market/index.html): A bull market is a 20%+ rise in financial markets. Learn what drives bull markets and how Ray keeps your plan on track during euphoria. (269 words)
- [Amortization](/learn/amortization/index.html): Amortization spreads loan repayment across installments of principal and interest. Learn how it works and how Ray breaks down your payments. (229 words)
- [Mortgage](/learn/mortgage/index.html): A mortgage is a long-term loan for real estate. Learn how rates and terms affect total cost and how Ray tracks your equity progress. (255 words)
- [Glossary](/learn/apy/index.html): APY is the annual return on savings including compound interest. Learn how APY works and how Ray shows your actual savings returns. (251 words)
- [Diversification](/learn/diversification/index.html): Diversification spreads investments to reduce risk. Learn why concentration is dangerous and how Ray checks your portfolio balance. (248 words)
- [Index Fund](/learn/index-fund/index.html): An index fund tracks a market index like the S&P 500 with ultra-low fees. Learn why index funds outperform most active funds over time. (259 words)
- [Budget](/learn/budget/index.html): A budget allocates your income across spending, savings, and debt. Learn budgeting basics and how Ray auto-categorizes your transactions. (271 words)
- [Credit Score](/learn/credit-score/index.html): A credit score (300-850) rates your creditworthiness and affects loan rates. Learn what impacts it and how Ray monitors related behaviors. (249 words)
- [Compound Interest](/learn/compound-interest/index.html): Compound interest earns returns on both principal and accumulated interest. Learn why starting early matters and how Ray projects your growth. (291 words)
- [Dollar-Cost Averaging](/learn/dollar-cost-averaging/index.html): Dollar-cost averaging invests fixed amounts at regular intervals. Learn why DCA beats market timing and how Ray tracks your consistency. (248 words)
- [Cash Flow](/learn/cash-flow/index.html): Cash flow measures money in vs. money out over a period. Learn why positive cash flow matters and how Ray tracks yours in real time. (261 words)
- [Sinking Fund](/learn/sinking-fund/index.html): A sinking fund saves incrementally for planned future expenses. Learn how sinking funds prevent budget shocks and how Ray identifies them. (251 words)
- [How Ray compares](/compare/index.html): See how Ray's AI-powered, local-first financial advisor compares to Mint, YNAB, Copilot Money, Monarch, and spreadsheets. (236 words)
- [Emergency Fund](/learn/emergency-fund/index.html): An emergency fund covers 3-6 months of expenses for unexpected events. Learn how much you need and how Ray calculates your savings runway. (259 words)
- [Net Worth](/learn/net-worth/index.html): Net worth is your assets minus liabilities. Learn how to calculate it, why it matters, and how Ray tracks it automatically from your bank accounts. (227 words)
- [Best Finance Tools in 2026](/best/index.html): Honest reviews and comparisons of the best budgeting apps, personal finance tools, AI finance apps, expense trackers, and Mint alternatives in 2026. (141 words)
- [Ray Finance for every life stage](/for/index.html): AI-powered financial advice tailored to your situation — whether you're a freelancer, parent, new grad, retiree, or couple. Open-source CLI. (190 words)

## Resources

- [Full Page Index](/index.html): Browse all cached pages with rich metadata
- [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines
- [XML Sitemap](/content/sitemap.xml): Machine-readable sitemap for crawler discovery
- [Robots.txt](/content/robots.txt): Crawler directives