Your money buddy
Ray
Your finance agent for runway
Banks show transactions. Spreadsheets show guilt. Ray helps you move: connect accounts, ask anything, and get a plan that matches where you want to go next.
The problem
Money apps think the job is a prettier spreadsheet.
You already know you spent too much on takeout. Categories and red charts do not tell you what to do next, or how long the cash lasts if life stays loud.
The gap is between what you intend and what actually happens. Ray is built for that gap: a finance agent who stays with you on the journey, whatever direction you choose.
How it works
Ray learns your money, then helps you move.
No lecture. No one-size dashboard. Three steps, then Ray keeps showing up when you ask.
01
Connect your accounts
Link banks once. Ray reads the real picture so you are not typing balances into a spreadsheet.
02
Talk like a human
Ask what is left for the month, where dinner went, or what to cut. Ray answers from your money, not generic tips.
03
Pick your direction
Whatever you care about next. Ray reshapes around your goal, not a fixed list of modes.
Built around your money life
Self-employed folks watch how long cash lasts. Others need to spend with intention, hold a budget, track bills, or just get clear. Other apps ship one dashboard for everyone. Ray meets you where you are.
A finance agent, not another dashboard
Most apps bury you in charts and tell you to spend less. Ray is built to help: he watches your accounts, answers in plain language, and stays with you as your goals shift.
Talk the way you already think
Ask in any language about spend, cash left, merchants, or what-ifs. Ray answers from your accounts, with the math to back it up.
Talk
I care about cutting waste more than runway right now.
Got it. I can reshape around spend, or build you a page for dining and rides.
Ready for whatever you need to track
Choose a focus for home, ask Ray in Talk, or keep a lasting page for the piece that matters most right now. Change direction when life does.
01
Runway
How long cash lasts at your spending rate, and what to do before it gets tight.
02
Spending
Where money goes, what is noise, and what is worth a closer look.
03
Budget
Caps versus what actually hit the account, without the shame spiral.
04
Bills
Recurring charges before they surprise you mid-month.
05
Clarity
A calm read when you need the picture, not a hero number.
Coming soon
Get Ray on your phone
iOS and Android are on the way. Join the waitlist and we will tell you when ray is for you.