ray-finance 0.3.5 → 0.3.7

package/README.md

@@ -42,7 +42,7 @@ Tell Ray about your family, goals, and financial strategy once. From then on, ev
 
 ### Set it and forget it
 
-- **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans.
+- **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans. Supports 18 countries: 🇺🇸 United States, 🇬🇧 United Kingdom, 🇨🇦 Canada, 🇫🇷 France, 🇩🇪 Germany, 🇪🇸 Spain, 🇮🇹 Italy, 🇳🇱 Netherlands, 🇮🇪 Ireland, 🇵🇱 Poland, 🇩🇰 Denmark, 🇳🇴 Norway, 🇸🇪 Sweden, 🇪🇪 Estonia, 🇱🇹 Lithuania, 🇱🇻 Latvia, 🇵🇹 Portugal, and 🇧🇪 Belgium.
 - **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.
@@ -111,7 +111,7 @@ Run `ray --help` to see all available commands.
 | `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 remove` | Remove a linked bank or manual account |
 | `ray sync` | Pull latest transactions and balances |
 | `ray status` | Quick financial dashboard |
 | `ray accounts` | Linked accounts with balances |
@@ -197,6 +197,10 @@ RAY_API_KEY=           # Ray API key (managed mode, replaces the above)
 
 Have an idea? [Open a PR](https://github.com/cdinnison/ray-finance/pulls).
 
+## Support
+
+Questions, feedback, or need help getting set up? Email [clark@rayfinance.app](mailto:clark@rayfinance.app) or [open an issue](https://github.com/cdinnison/ray-finance/issues).
+
 ## Contributing
 
 ```bash

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 ${formatMoney(toolInput.monthly_limit)}/month`;
         }
         case "get_goals": {
@@ -411,6 +411,8 @@ export async function executeTool(db, toolName, toolInput) {
                     updates.push("target_date = ?");
                     params.push(toolInput.target_date);
                 }
+                if (updates.length === 0)
+                    return `Goal "${toolInput.name}" exists but no changes provided.`;
                 params.push(existing.id);
                 db.prepare(`UPDATE goals SET ${updates.join(", ")} WHERE id = ?`).run(...params);
                 return `Goal "${toolInput.name}" updated.`;

package/dist/cli/backup.js

@@ -12,7 +12,7 @@ export function runExport(outputPath) {
         exported_at: new Date().toISOString(),
         context: readContext(),
         memories: db.prepare("SELECT content, category FROM memories").all(),
-        goals: db.prepare("SELECT name, target_amount, current_amount, deadline, status FROM goals").all(),
+        goals: db.prepare("SELECT name, target_amount, current_amount, target_date, status FROM goals").all(),
         budgets: db.prepare("SELECT category, monthly_limit, period FROM budgets").all(),
         recat_rules: db.prepare("SELECT match_field, match_pattern, target_category, target_subcategory, label FROM recategorization_rules").all(),
         settings: db.prepare("SELECT key, value FROM settings").all(),
@@ -54,10 +54,10 @@ export function runImport(inputPath) {
     }
     // Restore goals (skip if name already exists)
     const existingGoal = db.prepare("SELECT 1 FROM goals WHERE name = ?");
-    const insertGoal = db.prepare("INSERT INTO goals (name, target_amount, current_amount, deadline, status) VALUES (?, ?, ?, ?, ?)");
+    const insertGoal = db.prepare("INSERT INTO goals (name, target_amount, current_amount, target_date, status) VALUES (?, ?, ?, ?, ?)");
     for (const g of backup.goals) {
         if (!existingGoal.get(g.name)) {
-            insertGoal.run(g.name, g.target_amount, g.current_amount, g.deadline, g.status);
+            insertGoal.run(g.name, g.target_amount, g.current_amount, g.target_date ?? g.deadline ?? null, g.status);
         }
     }
     // Restore budgets

package/dist/cli/commands.js

@@ -190,7 +190,14 @@ export function showTransactions(options = {}) {
 export async function showSpending(period = "this_month") {
     const db = getDb();
     const { resolvePeriod } = await import("../db/helpers.js");
-    const { start, end } = resolvePeriod(period);
+    let start, end;
+    try {
+        ({ start, end } = resolvePeriod(period));
+    }
+    catch {
+        console.log(`\nUnknown period "${period}". Use: this_month, last_month, last_30, last_90, or START:END`);
+        return;
+    }
     const rows = db.prepare(`SELECT category, SUM(amount) as total, COUNT(*) as count FROM transactions
      WHERE amount > 0 AND date BETWEEN ? AND ? AND pending = 0
      AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS')
@@ -352,26 +359,58 @@ export async function runAdd() {
 export async function runRemove() {
     const readline = await import("readline");
     const db = getDb();
-    const accounts = getManualAccounts(db);
-    if (accounts.length === 0) {
-        console.log("\nNo manual accounts. Use 'ray add' to create one.");
+    const entries = [];
+    // Linked institutions (exclude manual-assets)
+    const institutions = db.prepare(`SELECT item_id, name FROM institutions WHERE item_id != 'manual-assets' ORDER BY created_at`).all();
+    for (const inst of institutions) {
+        entries.push({ kind: "institution", item_id: inst.item_id, name: inst.name });
+    }
+    // Manual accounts
+    const manuals = getManualAccounts(db);
+    for (const a of manuals) {
+        entries.push({ kind: "manual", account_id: a.account_id, name: a.name, balance: a.current_balance, type: a.type, listing_url: a.listing_url });
+    }
+    if (entries.length === 0) {
+        console.log("\nNo accounts to remove. Use 'ray link' or 'ray add' to add one.");
         return;
     }
-    console.log(`\n${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/doctor.js

@@ -103,7 +103,7 @@ export async function runDoctor() {
     }
     // ── Encryption ──
     if (config.dbEncryptionKey) {
-        checks.push({ label: "Encryption", status: "ok", detail: "AES-256-CBC enabled" });
+        checks.push({ label: "Encryption", status: "ok", detail: "AES-256-GCM enabled" });
     }
     else {
         checks.push({ label: "Encryption", status: "warn", detail: "No encryption key set. Data stored in plaintext." });

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/config.d.ts

@@ -13,6 +13,7 @@ export interface RayConfig {
     userName: string;
     thinkingBudget: number;
     syncSchedule: string;
+    plaidCountries: string[];
 }
 export declare const RAY_PROXY_BASE = "https://api.rayfinance.app/v1";
 export declare function useManaged(): boolean;

package/dist/config.js

@@ -37,6 +37,7 @@ function buildConfig() {
         userName: file.userName || process.env.RAY_USER_NAME || "User",
         thinkingBudget: file.thinkingBudget ?? (Number(process.env.RAY_THINKING_BUDGET) || 8000),
         syncSchedule: file.syncSchedule || "",
+        plaidCountries: file.plaidCountries || ["US", "GB", "CA"],
     };
 }
 export const config = buildConfig();

package/dist/plaid/link.d.ts

@@ -1,4 +1,5 @@
-import { Products } from "plaid";
+import { CountryCode, Products } from "plaid";
+export declare function getCountryCodes(): CountryCode[];
 /** Create a link token for initializing Plaid Link */
 export declare function createLinkToken(products?: Products[]): Promise<string>;
 /** Exchange a public token from Plaid Link for an access token */

package/dist/plaid/link.js

@@ -1,5 +1,13 @@
 import { plaidClient } from "./client.js";
 import { CountryCode, Products } from "plaid";
+import { config } from "../config.js";
+export function getCountryCodes() {
+    const codes = config.plaidCountries
+        .map(c => c.toUpperCase())
+        .filter(c => c in CountryCode)
+        .map(c => CountryCode[c]);
+    return codes.length > 0 ? codes : [CountryCode.Us];
+}
 /** Create a link token for initializing Plaid Link */
 export async function createLinkToken(products = [Products.Transactions]) {
     const resp = await plaidClient.linkTokenCreate({
@@ -7,7 +15,7 @@ export async function createLinkToken(products = [Products.Transactions]) {
         client_name: "Ray Finance",
         products,
         optional_products: [Products.Investments, Products.Liabilities],
-        country_codes: [CountryCode.Us],
+        country_codes: getCountryCodes(),
         language: "en",
     });
     return resp.data.link_token;

package/dist/plaid/sync.js

@@ -1,5 +1,5 @@
 import { plaidClient } from "./client.js";
-import { CountryCode } from "plaid";
+import { getCountryCodes } from "./link.js";
 /** Check if a Plaid API error is "product not supported/enabled" — safe to ignore */
 export function isProductNotSupported(err) {
     const data = err?.response?.data;
@@ -26,7 +26,7 @@ export async function refreshProducts(db, itemId, accessToken) {
         try {
             const { data } = await plaidClient.institutionsGetById({
                 institution_id: resp.data.item.institution_id,
-                country_codes: [CountryCode.Us],
+                country_codes: getCountryCodes(),
                 options: { include_optional_metadata: true },
             });
             db.prepare(`UPDATE institutions SET logo = ?, primary_color = ? WHERE item_id = ?`)

package/dist/server.js

@@ -5,7 +5,7 @@ import { randomUUID } from "crypto";
 import { createLinkToken, exchangeToken } from "./plaid/link.js";
 import { syncBalances, syncTransactions, syncInvestments, syncInvestmentTransactions, syncLiabilities, syncRecurring, isProductNotSupported } from "./plaid/sync.js";
 import { plaidClient } from "./plaid/client.js";
-import { CountryCode } from "plaid";
+import { getCountryCodes } from "./plaid/link.js";
 import { encryptPlaidToken } from "./db/encryption.js";
 import { config } from "./config.js";
 import { getDb } from "./db/connection.js";
@@ -198,7 +198,7 @@ export function startLinkServer() {
                 try {
                     const { data } = await plaidClient.institutionsGetById({
                         institution_id: req.body.institution_id,
-                        country_codes: [CountryCode.Us],
+                        country_codes: getCountryCodes(),
                         options: { include_optional_metadata: true },
                     });
                     institutionLogo = data.institution.logo || null;

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ray-finance",
-  "version": "0.3.5",
+  "version": "0.3.7",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",