A little clarity. A lot less worry.
Your money.
A little clearer.
Ray connects to your bank, keeps a simple monthly plan, and answers your money questions with your real numbers. Ask what you can spend, where it went, or what’s still due.
Coming soon to iPhone. Android next. Made in Canada.
How it works
Three steps, then just ask.
Ray does the sorting and the sums so you don’t have to keep a spreadsheet.
01
Connect your bank
Link your accounts through Plaid. Ray reads balances and transactions, separates purchases from transfers and card payments, and spots your recurring bills.
02
Set your plan
Give each category a monthly budget, or set one cap for the whole household. Ray counts what has posted, what is pending, and bills still due.
03
Ask Ray
Ask in plain words. You get one clear answer from your real numbers, with the math one tap away.
Talk to Ray
Ask it the way you’d ask a friend.
Ray matches your question to the right calculation, runs it on your accounts, and replies in a sentence or two.
How am I doing this month?
Show the math
Monthly cap $968.00
− spent $311.73
− bills still due $56.43
= $599.84 left
What bills are still due?
Two: your phone bill, $39.44 on the 24th, and a streaming plan, $16.99 on the 28th. Both are already counted in that $599.84.
Where you stand
- “How am I doing this month?”
- “How much cash do I have?”
Where it went
- “How much did I spend on eating out in August?”
- “How does this month compare to last month?”
What’s coming
- “What bills are still due this month?”
- “If I spend $100 tonight, where does that leave me?”
Teach Ray
- “That’s my mortgage, not a loan payment.”
- “Keep me within $3,000 a month.”
Built to be trusted
Real numbers. No guessing.
Money answers have to be right. Here’s how Ray keeps them that way.
Math first, then words
Totals are calculated on our servers from your own transactions. AI only helps put the answer into plain words.
Honest about gaps
If Ray doesn’t have the history to answer, it tells you so instead of guessing.
Gets to know you
The more you talk, the better Ray understands you: your goals, what matters to you, and how you describe your money.
Advice from your own spending
Ask where to cut and Ray points to your actual merchants and amounts. No sponsored products. No ads.
Read-only bank access
Banks connect through Plaid. Ray reads balances and transactions and can’t move money. Disconnect any time.
Private by default
We don’t sell your information or use bank data for ads. Talk messages are encrypted at rest.
What Ray covers: cash, spending, budgets and bills across your bank accounts and credit cards.
Get Ray on your phone.
Ray is coming to iPhone first, then Android. Leave your email and we’ll let you know when it’s ready.