ray-finance 0.3.6 → 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

@@ -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')

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/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": "0.3.6",
+  "version": "0.3.7",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",