# Show HN: CLI for your financial data (and Costco and Amazon) > Source: > Published: 2026-10-18 17:11:24+00:00 # A CLI for your financial data, built for the AI era. **fin** connects your banks, cards and brokerages through [Plaid](https://plaid.com/docs/) 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. bash $ 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). bash $ 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 } bash $ 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. bash $ 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" } bash $ 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]. bash $ 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" }, … ] } bash $ 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. bash $ 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" }, … ] }, … ] } bash $ 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. bash $ 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. // works with the banks, cards and brokerages Plaid connects to 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. // 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.