Show HN: Fungible – A local personal finance app in the terminal | Hacker News Reader

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

github.com

30 pointstomfunk15 comments

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.

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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!

Disclosure: I built something similar called HODLings.

Fungible's architecture (local data, no vendor cloud) is the right answer for the crypto ecosystem too (arguably even more so).

Which is why I built HODLings: manual holdings entry (no exchange keys, no wallet-address pasting), live prices from CoinGecko, allocation and history charts, multi-fiat display. Same minimal- tracker shape Fungible has, but scoped to crypto.

Main failure mode is forgetting to export the backup before a browser wipe. Set a calendar reminder.

HODLings PWA is freely available at https://hodlings.app

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/

Update: put up a proper landing page at https://thisisfungible.com/ if you want a quick overview before diving into the repo.

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

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

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.

It's just the same data that open banking APIs would give you

That GIF demo looks great

I am invested.

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