ray-finance 0.3.4 → 0.3.6

package/README.md

@@ -3,7 +3,7 @@
 </p>
 
 <p align="center">
-  An open-source CLI that connects to your bank and already knows your finances before you ask.
+  An open-source AI financial advisor that learns your situation and gets smarter every conversation.
 </p>
 
 <p align="center">
@@ -15,26 +15,37 @@
 <br />
 
 <p align="center">
-  <img src=".github/ray-demo.png" alt="Ray demo" />
+  <img src=".github/ray-demo.png" alt="Ray demo" width="100%" />
 </p>
 
-Open Ray and it shows your net worth, spending vs last month, budget pacing, and upcoming bills — before you type a word. Ask a question and it answers from your real data, not guesses. Local-first. Encrypted. Open source.
+Tell Ray about your family, goals, and financial strategy once. From then on, every answer is grounded in your real situation — not generic advice. It connects to your bank, tracks your net worth and spending, and gives you a financial briefing before you type a word. Open source. Local-first. Encrypted.
 
 ## Features
 
-- **It already knows** — Every conversation starts with a real-time financial briefing. Net worth, spending velocity, budget alerts, goal pace, upcoming bills, and your daily score. No "let me look that up."
-- **Persistent context** — Ray maintains a financial profile that evolves with you: income, goals, strategy, key decisions, and open items. It updates this context as your situation changes, so every conversation picks up where the last one left off.
-- **Long-term memory** — Important details from conversations are saved as memories. Mention you're saving for a house or switching jobs and Ray remembers — without you repeating yourself.
-- **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans
-- **Encrypted local database** — All data stays on your machine in an AES-256 encrypted SQLite database
-- **Daily scoring** — A 0-100 behavior score with streaks and 14 unlockable achievements. No restaurants for a week? That's Kitchen Hero. Five zero-spend days? Monk Mode.
+### It gets smarter every conversation
+
+- **Your situation, always loaded** — Every conversation starts with your financial profile: family, income, goals, strategy, key decisions, and open items. Ray reads it all before you type a word.
+- **Self-updating context** — Got a raise? Had a baby? Decided to pay off debt aggressively? Ray updates your profile automatically when your situation changes.
+- **Long-term memory** — Mention you're saving for a house or that you cancelled a subscription. Ray remembers across every future conversation.
+
+### Stay on track without trying
+
 - **CFO personality** — Ray doesn't list options. It tells you what it would do and why, references your goals, and flags problems you haven't noticed yet.
-- **Budgets and goals** — Track spending limits by category and progress toward financial goals
+- **Daily scoring** — A 0-100 behavior score with streaks and 14 unlockable achievements. No restaurants for a week? That's Kitchen Hero. Five zero-spend days? Monk Mode.
+- **Budgets and goals** — Track spending limits by category and progress toward financial goals.
+- **Smart alerts** — Large transactions, low balances, budget overruns.
+
+### Your data never leaves your machine
+
+- **Encrypted local database** — All data stays on your machine in an AES-256 encrypted SQLite database.
 - **PII masking** — Names, account numbers, and identifying details are scrubbed before anything reaches the AI. Your data is analyzed, not exposed.
-- **Smart alerts** — Large transactions, low balances, budget overruns
-- **Auto-recategorization** — Define rules to automatically re-label transactions
-- **Scheduled daily sync** — Automatic bank sync via launchd (macOS) or cron (Linux)
-- **Export/import** — Back up and restore your financial data
+
+### Set it and forget it
+
+- **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans.
+- **Scheduled daily sync** — Automatic bank sync via launchd (macOS) or cron (Linux).
+- **Auto-recategorization** — Define rules to automatically re-label transactions.
+- **Export/import** — Back up and restore your financial data.
 
 ## Install
 
@@ -70,7 +81,7 @@ ray setup
 
 The setup wizard offers two modes:
 
-### Quick setup (managed)
+### Pro (quick setup)
 
 We handle the API keys. Your data stays local. $10/mo.
 
@@ -79,7 +90,7 @@ We handle the API keys. Your data stays local. $10/mo.
 3. Link your accounts — checking, savings, credit cards, investments, loans, mortgage
 4. Done — daily sync auto-scheduled at 6am
 
-### Self-hosted
+### Bring your own keys
 
 Bring your own Anthropic and Plaid credentials. Free forever.
 
@@ -99,17 +110,24 @@ Run `ray --help` to see all available commands.
 | `ray --demo <cmd>` | Run any command against demo data |
 | `ray setup` | Configure API keys and preferences |
 | `ray link` | Connect a new bank account |
+| `ray add` | Add a manual account (home, car, crypto, etc.) |
+| `ray remove` | Remove a manual account |
 | `ray sync` | Pull latest transactions and balances |
 | `ray status` | Quick financial dashboard |
+| `ray accounts` | Linked accounts with balances |
 | `ray transactions` | Recent transactions (filterable by category, merchant) |
 | `ray spending [period]` | Spending breakdown by category |
 | `ray budgets` | Budget status and overruns |
 | `ray goals` | Financial goal progress |
+| `ray bills` | Upcoming bills |
+| `ray recap [period]` | Monthly spending recap |
 | `ray score` | Daily score, streaks, and achievements |
 | `ray alerts` | Active financial alerts |
 | `ray export [path]` | Export data to a backup file |
 | `ray import <path>` | Restore from a backup file |
 | `ray billing` | Manage your Ray subscription (managed mode only) |
+| `ray update` | Update Ray to the latest version |
+| `ray doctor` | Check system health |
 
 ## How It Works
 

package/dist/ai/tools.js

@@ -378,7 +378,7 @@ export async function executeTool(db, toolName, toolInput) {
         }
         case "set_budget": {
             db.prepare(`INSERT INTO budgets (category, monthly_limit) VALUES (?, ?)
-         ON CONFLICT(category) DO UPDATE SET monthly_limit = excluded.monthly_limit`).run(toolInput.category, toolInput.monthly_limit);
+         ON CONFLICT(category, period) DO UPDATE SET monthly_limit = excluded.monthly_limit`).run(toolInput.category, toolInput.monthly_limit);
             return `Budget set: ${categoryLabel(toolInput.category)} at ${formatMoney(toolInput.monthly_limit)}/month`;
         }
         case "get_goals": {

package/dist/cli/commands.js

@@ -352,26 +352,58 @@ export async function runAdd() {
 export async function runRemove() {
     const readline = await import("readline");
     const db = getDb();
-    const accounts = getManualAccounts(db);
-    if (accounts.length === 0) {
-        console.log("\nNo manual accounts. Use 'ray add' to create one.");
+    const entries = [];
+    // Linked institutions (exclude manual-assets)
+    const institutions = db.prepare(`SELECT item_id, name FROM institutions WHERE item_id != 'manual-assets' ORDER BY created_at`).all();
+    for (const inst of institutions) {
+        entries.push({ kind: "institution", item_id: inst.item_id, name: inst.name });
+    }
+    // Manual accounts
+    const manuals = getManualAccounts(db);
+    for (const a of manuals) {
+        entries.push({ kind: "manual", account_id: a.account_id, name: a.name, balance: a.current_balance, type: a.type, listing_url: a.listing_url });
+    }
+    if (entries.length === 0) {
+        console.log("\nNo accounts to remove. Use 'ray link' or 'ray add' to add one.");
         return;
     }
-    console.log(`\n${heading("Manual Accounts")}\n`);
-    for (let i = 0; i < accounts.length; i++) {
-        const a = accounts[i];
-        const typeLabel = a.type === "loan" || a.type === "credit" ? "liability" : "asset";
-        const url = a.listing_url ? dim(` — ${a.listing_url}`) : "";
-        console.log(`  ${dim(`${i + 1}.`)} ${a.name}  ${rawFormatMoney(a.current_balance)} (${typeLabel})${url}`);
+    console.log(`\n${heading("Accounts")}\n`);
+    for (let i = 0; i < entries.length; i++) {
+        const e = entries[i];
+        if (e.kind === "institution") {
+            const acctCount = db.prepare(`SELECT COUNT(*) as c FROM accounts WHERE item_id = ?`).get(e.item_id).c;
+            console.log(`  ${dim(`${i + 1}.`)} ${e.name}  ${dim(`(${acctCount} account${acctCount !== 1 ? "s" : ""}, linked)`)}`);
+        }
+        else {
+            const typeLabel = e.type === "loan" || e.type === "credit" ? "liability" : "asset";
+            const url = e.listing_url ? dim(` — ${e.listing_url}`) : "";
+            console.log(`  ${dim(`${i + 1}.`)} ${e.name}  ${rawFormatMoney(e.balance)} (${typeLabel})${url}`);
+        }
     }
     const rl = readline.createInterface({ input: process.stdin, output: process.stdout });
     const answer = (await new Promise(resolve => rl.question(`\n  Remove which? (number, or Enter to cancel): `, resolve))).trim();
     rl.close();
     const idx = parseInt(answer, 10) - 1;
-    if (isNaN(idx) || idx < 0 || idx >= accounts.length)
+    if (isNaN(idx) || idx < 0 || idx >= entries.length)
         return;
-    removeManualAccount(db, accounts[idx].account_id);
-    console.log(chalk.green(`\n  Removed ${accounts[idx].name}.`));
+    const entry = entries[idx];
+    if (entry.kind === "manual") {
+        removeManualAccount(db, entry.account_id);
+    }
+    else {
+        // Remove all data for this institution
+        const accounts = db.prepare(`SELECT account_id FROM accounts WHERE item_id = ?`).all(entry.item_id);
+        for (const acct of accounts) {
+            db.prepare(`DELETE FROM transactions WHERE account_id = ?`).run(acct.account_id);
+            db.prepare(`DELETE FROM holdings WHERE account_id = ?`).run(acct.account_id);
+            db.prepare(`DELETE FROM investment_transactions WHERE account_id = ?`).run(acct.account_id);
+            db.prepare(`DELETE FROM liabilities WHERE account_id = ?`).run(acct.account_id);
+            db.prepare(`DELETE FROM recurring WHERE account_id = ?`).run(acct.account_id);
+        }
+        db.prepare(`DELETE FROM accounts WHERE item_id = ?`).run(entry.item_id);
+        db.prepare(`DELETE FROM institutions WHERE item_id = ?`).run(entry.item_id);
+    }
+    console.log(chalk.green(`\n  Removed ${entry.name}.`));
     console.log();
 }
 export function showAlerts() {

package/dist/cli/index.js

@@ -70,7 +70,7 @@ program
 });
 program
     .command("remove")
-    .description("Remove a manual account")
+    .description("Remove a linked bank or manual account")
     .action(async () => {
     ensureConfigured();
     const { runRemove } = await import("./commands.js");
@@ -192,25 +192,36 @@ program
     const open = (await import("open")).default;
     console.log("Opening billing portal...");
     try {
-        const resp = await fetch(`${RAY_PROXY_BASE.replace("/v1", "")}/stripe/portal`, {
+        const resp = await fetch(`${RAY_PROXY_BASE}/stripe/portal`, {
             method: "POST",
             headers: {
                 "content-type": "application/json",
                 "Authorization": `Bearer ${config.rayApiKey}`,
             },
         });
+        if (!resp.ok) {
+            const text = await resp.text().catch(() => "");
+            const msg = (() => { try {
+                return JSON.parse(text).error;
+            }
+            catch {
+                return text;
+            } })();
+            console.error(`Could not open billing portal (${resp.status}): ${msg || "unknown error"}`);
+            return;
+        }
         const { url } = await resp.json();
         // Only open URLs from trusted domains
         const parsed = new URL(url);
         if (!parsed.hostname.endsWith("stripe.com") && !parsed.hostname.endsWith("rayfinance.app")) {
-            console.error("Unexpected billing URL. Visit https://rayfinance.app/billing");
+            console.error("Unexpected billing URL.");
         }
         else {
             await open(url);
         }
     }
-    catch {
-        console.error("Could not open billing portal. Visit https://rayfinance.app/billing");
+    catch (err) {
+        console.error("Could not open billing portal:", err.message);
     }
 });
 program
@@ -249,7 +260,7 @@ program.configureHelp({
         { name: "setup", desc: "Configure Ray (API keys, preferences)" },
         { name: "link", desc: "Link a new financial account via Plaid" },
         { name: "add", desc: "Add a manual account (home, car, crypto, etc.)" },
-        { name: "remove", desc: "Remove a manual account" },
+        { name: "remove", desc: "Remove a linked bank or manual account" },
         { name: "sync", desc: "Sync transactions from linked banks" },
         { name: "accounts", desc: "Show linked accounts and balances" },
         { name: "status", desc: "Show financial overview" },

package/dist/cli/setup.js

@@ -31,7 +31,7 @@ export async function runSetup() {
             message: "How would you like to set up Ray?",
             choices: [
                 { name: "Quick setup — we handle the API keys, your data stays local", value: "managed" },
-                { name: "Self-hosted — bring your own Anthropic and Plaid credentials", value: "selfhosted" },
+                { name: "Bring your own keys — use your own Anthropic and Plaid credentials", value: "selfhosted" },
             ],
         }]);
     let canLink = false;

package/dist/server.js

@@ -75,7 +75,15 @@ export function startLinkServer() {
         }
         catch (error) {
             console.error("Link token error:", error.message);
-            res.status(500).json({ error: "Failed to create link token" });
+            const plaidStatus = error?.response?.status;
+            if (plaidStatus === 400 || plaidStatus === 401 || plaidStatus === 403) {
+                res.status(500).json({
+                    error: "Plaid credentials error — make sure you're using production (not sandbox) keys. Check PLAID_CLIENT_ID and PLAID_SECRET in ~/.ray/config.json.",
+                });
+            }
+            else {
+                res.status(500).json({ error: "Failed to create link token: " + (error.message || "unknown error") });
+            }
         }
     });
     // Exchange public token

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ray-finance",
-  "version": "0.3.4",
+  "version": "0.3.6",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",