Show HN: Fungible – A local personal finance app in the terminal

Fungible is a terminal-based personal finance app that fills the Mint-shaped void in my life. It runs using your own plaid credentials (optional) and has its own integrated chatbot (also optional and BYO key).

You connect banks via Plaid or import CSVs. Transactions get auto-categorized by rules you define. On top of normal categories there's a flexibility layer (fixed / flexible / discretionary) so you can see at a glance what's actually controllable spending. There are also tags (also separate from categories) for isolating things like trips or hobbies.

The financial health screen does savings rate, liquidity runway, and FIRE projection with adjustable assumptions. Probably overkill but I like it.

It also has an MCP server so Claude/ChatGPT can talk to you about your finances, create rules/tags, etc. That’s always the most annoying thing for me when trying a new personal finance tool. Hopefully this brings down the barrier to usefulness. The agent/chatbot in the app has the same tools as the Claude/ChatGPT would have via the MCP.

It might be too late, but have you thought about using something like ledger/beancount for the storage?

Having a nice tui/plaid sync for plaintextaccounting would be nice.

https://plaintextaccounting.org/

This deserves a lot more attention, imo. It seems like most/everything is moving to the terminal natively (maybe w a visual layer on top) so you can use the same local agent and local files for everything (ie claude code being able to access everything about your life, but also being easily swapped out for or used alongside codex). I’ve been avoiding diving into my finances so I’m gonna try this out, thanks!

the overkill aspects actually seem to help the cause! hopefully you get the right visibility because this is a very interesting project

You should definitely add a screenshot to the README. A GIF (muted embedded video) would be even better.

added

I've been using terminal-based tools more lately — less context-switching. Does this play well with tmux or does it need its own session?

it uses ink so it should play nice

Connecting a llm to your bank account, hmm? Ok I wish you the best.

its partial read access. transactions, balances, etc. it can't buy stuff.

I am invested.

A couple of advices:

- add some screenshots or a demo video to the repo

- I’m not familiar with Plaid, and I’m not probably the only one. A list of main banks/countries probably would make sense? Or just a link that I could not easily find.

done and done. thanks

[dead]