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Finagent

Finagent is a private financial agent that lives entirely on your phone — you chat with it, and it answers with real numbers computed from your own statements, cards, and investments, none of which ever leave the device.

Code Video Cerebral Valley

Core trick

On-device agent computes card-by-card spend costs and runs Monte Carlo retirement simulations from local statement data, sending nothing off-device.

Tags

financeagents

Description

Finagent is a private financial agent that lives entirely on your phone — you chat with it, and it answers with real numbers computed from your own statements, cards, and investments, none of which ever leave the device. Ask it to plan a trip and it picks the best card for every line, showing what you really pay after rewards and forex; ask about a goal and it runs ten thousand simulations of your future to tell you the honest odds. Its edge is connecting the two: it links what you spend today to the life you're building — "book this Bali trip on the right cards and you save ₹14,500, and still retire right on plan."
dhanush-ctrl-ai/finagent★ 00 forksKotlinCreated Jul 11, 2026 · last push Jul 11, 2026

README excerpt

# finagent

An on-device financial agent for Android. You chat with it; it answers with real numbers computed on your phone. Nothing about your money leaves the device.

Two flows, one point:

1. **Settlement** — "Plan a Bali trip. Which cards should I use?" → a spend plan that picks which credit card funds each line, and what it *really* costs after rewards and forex.
2. **Accumulation** — a 20-year Monte Carlo projection of where your wealth lands.

The pitch is the handoff between them: the settlement engine asks the accumulation engine what spending ₹1.45L today does to your future, and the answer comes back as **"this trip costs you six days of retirement."**

```mermaid
flowchart LR
    Q["<b>You ask</b><br/>'Plan a Bali trip.<br/>Which cards should I use?'"]

    subgraph PHONE["📱 Your phone — everything below stays here"]
        direction LR

        CARDS["<b>Your cards</b><br/>limits · billing cycles<br/>spend so far"]
        WEALTH["<b>Your wealth</b><br/>income · spending<br/>investments"]

        G1["<b>GEMMA 4</b><br/><i>reads your question</i>"]

        SET["<b>SETTLEMENT ENGINE</b><br/>money moving now<br/><i>which card, what it really costs</i>"]

        ACC["<b>ACCUMULATION ENGINE</b><br/>money over 20 years<br/><i>where you end up</i>"]

        G2["<b>GEMMA 4</b><br/><i>writes your answer</i>"]

        G1 -->|"Bali · Oct 12–19 · 2 people"| SET
        CARDS --> SET
        WEALTH --> ACC
        SET -->|"if I spend ₹1.45L now,<br/>what does it cost m

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