A CLI for your financial
data, built for the AI era.

fin connects your banks, cards and brokerages through Plaid and brings in your Amazon and Costco purchases. It runs locally on your laptop, keeps its keys in your Keychain, and costs nothing on Plaid's free Trial plan. Ask your agent, open it all as pages in your browser, query your transactions with SQL, or keep them in a Google Sheet.

you › Build me a monthly spending review. Compare it to the month before.

  ran fin transactions --since 2026-08-01 --json
  ✓ 412 transactions from 6 connections

agent › September spending was $6,482, down 9% from August ($7,121).
        Rent and utilities held at $2,850. Dining out rose +31% to $694,
        mostly six weekend orders from Sushi Ota. Shopping fell $1,216
        because August included a $1,180 standing desk.
        You saved $3,368, 34% of what came in.

$ fin accounts
Accounts · 7 across 6 Items
╭───────────┬────────────────────┬──────┬──────────────────────┬──────────┬───────────┬──────────┬─────╮
│ Item      │ Account            │ Mask │ Type                 │  Current │ Available │    Limit │ Ccy │
├───────────┼────────────────────┼──────┼──────────────────────┼──────────┼───────────┼──────────┼─────┤
│ chase     │ Sapphire Preferred │ 4242 │ credit card credit   │  1834.12 │  13165.88 │ 15000.00 │ USD │
│ chase     │ Total Checking     │ 8810 │ checking depository  │  6120.40 │   6120.40 │          │ USD │
│ amex      │ Gold Card          │ 1005 │ credit card credit   │   912.77 │           │          │ USD │
│ citi      │ Savings            │ 3127 │ savings depository   │ 24500.00 │  24500.00 │          │ USD │
│ fidelity  │ Roth IRA           │ 0917 │ roth investment      │ 48210.57 │           │          │ USD │
│ schwab    │ Brokerage          │ 3301 │ brokerage investment │ 96215.00 │  42680.00 │          │ USD │
│ robinhood │ Individual         │ 7712 │ brokerage investment │ 18440.10 │           │          │ USD │
╰───────────┴────────────────────┴──────┴──────────────────────┴──────────┴───────────┴──────────┴─────╯
Balances from Plaid's daily refresh. Use --live to ask each bank now (billed per call).

$ fin accounts --json
{
  "accounts": [
    {
      "item": "chase",
      "institution": "Chase",
      "name": "Sapphire Preferred",
      "mask": "4242",
      "type": "credit",
      "subtype": "credit card",
      "balances": {
        "available": 13165.88,
        "current": 1834.12,
        "limit": 15000,
        "iso_currency_code": "USD"
      }
    },
    …
  ],
  "env": "production",
  "errors": [],
  "live": false
}

$ fin transactions --since 2026-10-01
Transactions · 2026-10-01 → 2026-10-09 · 8
╭────────────┬───────┬────────────────────┬────────────────────┬──────────┬─────┬────────────────────╮
│ Date       │ Item  │ Account            │ Description        │   Amount │ Ccy │ Category           │
├────────────┼───────┼────────────────────┼────────────────────┼──────────┼─────┼────────────────────┤
│ 2026-10-09 │ chase │ Sapphire Preferred │ Sushi Ota          │   -86.40 │ USD │ food and drink     │
│ 2026-10-08 │ amex  │ Gold Card          │ Whole Foods Market │  -142.18 │ USD │ food and drink     │
│ 2026-10-08 │ chase │ Total Checking     │ ACME Corp Payroll  │  4925.00 │ USD │ income             │
│ 2026-10-07 │ chase │ Sapphire Preferred │ Uber               │   -23.90 │ USD │ transportation     │
│ 2026-10-05 │ amex  │ Gold Card          │ Netflix            │   -24.99 │ USD │ entertainment      │
│ 2026-10-03 │ chase │ Total Checking     │ Rent · October     │ -2600.00 │ USD │ rent and utilities │
│ 2026-10-02 │ citi  │ Savings            │ Interest payment   │    31.20 │ USD │ income             │
│ 2026-10-01 │ chase │ Sapphire Preferred │ United Airlines    │  -540.00 │ USD │ travel             │
╰────────────┴───────┴────────────────────┴────────────────────┴──────────┴─────┴────────────────────╯
Money out 3417.47 · money in 4956.20. Shown here as negative = spent, positive = received; JSON keeps Plaid's sign.

$ fin transactions --since 2026-10-01 --json
{
  "env": "production",
  "errors": [],
  "since": "2026-10-01",
  "transactions": [
    {
      "item": "chase",
      "institution": "Chase",
      "account_name": "Sapphire Preferred",
      "account_mask": "4242",
      "date": "2026-10-09",
      "authorized_date": "2026-10-08",
      "name": "SUSHI OTA SAN DIEGO",
      "merchant_name": "Sushi Ota",
      "amount": 86.4,
      "iso_currency_code": "USD",
      "pending": false,
      "category": "FOOD_AND_DRINK",
      "category_detailed": "FOOD_AND_DRINK_RESTAURANT"
    },
    …
  ],
  "until": "2026-10-09"
}

$ fin amazon categorize --all
Amazon items · 5
╭───────────────────────┬────────────┬───────────────────────┬─────┬────────┬─────────────────────╮
│ Item                  │ Date       │ Title                 │ Qty │   Cost │ Category            │
├───────────────────────┼────────────┼───────────────────────┼─────┼────────┼─────────────────────┤
│ 114-2290017-6612408#1 │ 2026-10-06 │ Cordless drill kit    │   1 │ 129.84 │ HOME_IMPROVEMENT    │
│ 114-2290017-6612408#2 │ 2026-10-06 │ Ground coffee, 2 lb   │   2 │  38.90 │ FOOD_AND_DRINK      │
│ 114-2290017-6612408#3 │ 2026-10-06 │ Vitamin D3, 240 count │   1 │  18.62 │ MEDICAL             │
│ 113-8805213-0147729#1 │ 2026-10-02 │ Kids' rain boots      │   1 │  34.17 │ GENERAL_MERCHANDISE │
│ 113-8805213-0147729#2 │ 2026-10-02 │ Catan board game      │   1 │  46.03 │                     │
╰───────────────────────┴────────────┴───────────────────────┴─────┴────────┴─────────────────────╯
Set one with fin amazon categorize --set ITEM CATEGORY [--product].

$ fin amazon categorize --all --json
{
  "categories": [
    "INCOME",
    …
  ],
  "items": [
    {
      "item": "114-2290017-6612408#1",
      "order_id": "114-2290017-6612408",
      "date": "2026-10-06",
      "product": "B0C7KQ3X1M",
      "title": "Cordless drill kit",
      "quantity": 1,
      "cost": 129.84,
      "category": "HOME_IMPROVEMENT",
      "category_detailed": "HOME_IMPROVEMENT_HARDWARE",
      "category_source": "item",
      "account": "home",
      "bank_transaction": "AMAZON MKTPL*BB4L09 · 2026-10-07"
    },
    …
  ]
}

$ fin holdings
Holdings · 7 positions · 162865.67
╭───────────┬────────────┬────────────┬──────────┬────────┬──────────┬────────────┬──────────┬──────╮
│ Item      │ Account    │ Security   │ Quantity │  Price │    Value │ Cost basis │     Gain │ Lots │
├───────────┼────────────┼────────────┼──────────┼────────┼──────────┼────────────┼──────────┼──────┤
│ fidelity  │ Roth IRA   │ VTI        │      120 │ 288.10 │ 34572.00 │   26400.00 │  8172.00 │    4 │
│ fidelity  │ Roth IRA   │ FXAIX      │    61.05 │ 223.40 │ 13638.57 │   11020.00 │  2618.57 │    3 │
│ schwab    │ Brokerage  │ AAPL       │      150 │ 241.30 │ 36195.00 │   21300.00 │ 14895.00 │    5 │
│ schwab    │ Brokerage  │ SCHD       │      600 │  28.90 │ 17340.00 │   16200.00 │  1140.00 │    2 │
│ schwab    │ Brokerage  │ U S Dollar │    42680 │   1.00 │ 42680.00 │   42680.00 │     0.00 │    0 │
│ robinhood │ Individual │ NVDA       │       80 │ 182.50 │ 14600.00 │    9100.00 │  5500.00 │    6 │
│ robinhood │ Individual │ TSLA       │       10 │ 384.01 │  3840.10 │    4400.00 │  -559.90 │    2 │
╰───────────┴────────────┴────────────┴──────────┴────────┴──────────┴────────────┴──────────┴──────╯
Total value 162865.67, cost basis 131100.00 where known.

$ fin holdings --json
{
  "env": "production",
  "errors": [],
  "holdings": [
    {
      "item": "fidelity",
      "institution": "Fidelity",
      "account_name": "Roth IRA",
      "ticker": "VTI",
      "security_name": "Vanguard Total Stock Market ETF",
      "security_type": "etf",
      "quantity": 120,
      "price": 288.1,
      "price_as_of": "2026-10-08",
      "value": 34572,
      "cost_basis": 26400,
      "iso_currency_code": "USD",
      "tax_lots": [
        {
          "quantity": 30,
          "purchase_price": 212.4,
          "original_purchase_datetime": "2022-03-14T00:00:00Z",
          "position_type": "LONG"
        },
        …
      ]
    },
    …
  ]
}

$ fin sql "select category,
                  sum(amount) filter (month(date) = 8) as aug,
                  sum(amount) filter (month(date) = 9) as sep,
                  round(100 * (sep - aug) / aug) as pct
           from transactions
           where amount > 0
             and date between '2026-08-01' and '2026-09-30'
           group by category
           order by sep desc"
6 rows
╭─────────────────────┬────────┬────────┬─────╮
│ category            │    aug │    sep │ pct │
├─────────────────────┼────────┼────────┼─────┤
│ RENT_AND_UTILITIES  │   2850 │   2850 │   0 │
│ FOOD_AND_DRINK      │ 1153.8 │   1318 │  14 │
│ TRAVEL              │  814.6 │ 1203.6 │  48 │
│ GENERAL_MERCHANDISE │ 1700.4 │  484.4 │ -72 │
│ TRANSPORTATION      │  412.3 │  389.6 │  -6 │
│ ENTERTAINMENT       │  189.9 │  236.4 │  24 │
╰─────────────────────┴────────┴────────┴─────╯
From ~/.local/share/fin/production.duckdb, synced Oct 9, 09:12. Run fin sync to refresh.

$ fin sql --json "select category,
                         sum(amount) filter (month(date) = 8) as aug,
                         sum(amount) filter (month(date) = 9) as sep,
                         round(100 * (sep - aug) / aug) as pct
                  from transactions
                  where amount > 0
                    and date between '2026-08-01' and '2026-09-30'
                  group by category
                  order by sep desc"
{
  "columns": ["category", "aug", "sep", "pct"],
  "env": "production",
  "rows": [
    {
      "aug": 2850,
      "category": "RENT_AND_UTILITIES",
      "pct": 0,
      "sep": 2850
    },
    {
      "aug": 1153.8,
      "category": "FOOD_AND_DRINK",
      "pct": 14,
      "sep": 1318
    },
    …
  ],
  "synced": [
    {
      "item": "chase",
      "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
      "transactions_update_status": "HISTORICAL_UPDATE_COMPLETE",
      "last_sync": "2026-10-09T16:12:00Z"
    },
    …
  ]
}

Made-up numbers in fin's real output format. In a terminal fin prints tables; when an agent runs it, JSON.

// fin ui · illustrative data

Or open it in your browser.

fin ui turns the local file into pages: net worth day by day, spending against last month, your portfolio, and a SQL editor that charts what it returns. fin serves them from 127.0.0.1 behind a random token, and they load nothing from the internet.

fin ui overview with illustrative data: $347,019 net worth, a year-to-date chart, assets, liabilities and what was kept in September — `fin ui`

fin ui spending page with illustrative data: $4,519 spent in October so far, a running total against September and a calendar of every day — `fin transactions --ui`

fin ui portfolio page with illustrative data: $310,739 invested, allocation by asset class and a treemap of positions — `fin holdings --ui`

fin ui query page with illustrative data: a SQL query and its result as stacked monthly columns by category — `fin sql "…" --ui`

// works with the banks, cards and brokerages Plaid connects to

Chase

Citi

American Express

Wells Fargo

Bank of America

Capital One

Charles Schwab

Fidelity

Vanguard

Robinhood

X Money

+ 12,000 more

Logos are trademarks of their owners. fin is independent and not affiliated with them or with Plaid.

// AI-generated reports · illustrative data

Ask in plain words. Get a report.

fin supplies the data. Your agent creates the layout, charts, and analysis.

AI-generated spending report with illustrative data: $6,482 spent, down 9%, with a category breakdown — “Build me a monthly spending review.” Compare it to the month before.
Try this prompt→

AI-generated Costco report with illustrative data: 24 rotisserie chickens and 36 hot dog combos over six months, totaling $173.76 before tax — “How many Costco chickens and hot dogs did we buy?” Count rotisserie chickens and hot dog combos from our receipts over the last six months.
Try this prompt→

AI-generated Amazon report with illustrative data: $1,284.37 across 23 orders, six items in a $412.07 Amex charge, and $86.20 in pending refunds — “Break down my Amazon spending item by item.” Use my order history to categorize purchases, unpack card charges, and track refunds.
Try this prompt→

AI-generated subscription audit with illustrative data: recurring charges, price increases, and overlapping storage plans — “Find the subscriptions worth reviewing.” Find subscriptions, price increases, and anything I’m paying for twice.
Try this prompt→

AI-generated investment report with illustrative data: $284,316 across three brokerages, asset allocation, and unrealized gains — “Put all my investments in one report.” Show my allocation and unrealized gains across brokerages.
Try this prompt→

AI-generated net-worth report with illustrative data: January to September growth, market gains, savings, and card balances — “Show how my net worth changed this year.” Chart it month by month and explain what moved it.
Try this prompt→

// fin help security

Local and yours.

reads: Balances, transactions, holdings with tax lots, investment activity.
never requests: Plaid Auth or Identity: no account numbers, no personal details. Cannot move money.
secrets: macOS Keychain, service fin. State in ~/.config/fin/state.json, mode 0600.
data: Transactions, a balance per account for each day you sync, and holdings in a DuckDB file in ~/.local/share/fin; query it with fin sql or browse it with fin ui. fin sheet copies them to a spreadsheet in your Google Drive, the only file there fin can see.
amazon: Experimental and off until you run fin amazon login: it reads your Amazon payments and order pages with your Chrome sign-in, so each charge opens into its items.
costco: Experimental and off until you run fin costco login: it reads your warehouse and gas receipts and costco.com orders with your Chrome sign-in, so each trip opens into its items.
servers: No hosted service. fin calls Plaid's API from your laptop and prints the answer. fin ui serves its pages on 127.0.0.1 only, behind a random token, with every font and script built into fin.
cost: Free on Plaid's Trial plan, up to 10 institutions. MIT licensed.

$ curl -fsSL https://github.com/kilianc/fin/releases/latest/download/fin-darwin-universal.tar.gz | tar -xz -C ~/.local/bin && fin init

A CLI for your financial data, built for the AI era.

Or open it in your browser.

Ask in plain words. Get a report.

Local and yours.

A CLI for your financial
data, built for the AI era.