fungible

Local-first personal finance app in the terminal

TLDR

Launch the main app

$ fungible

Run the first-time setup wizard

$ fungible --setup

Start a demo instance pre-loaded with fake data

$ fungible --demo

Install via Homebrew

$ brew install fungible

Print the version

$ fungible --version

SYNOPSIS

fungible [--setup | --demo | --version | --help]

fungible is a keyboard-driven personal finance application that runs entirely inside the terminal. It manages bank accounts, transactions, budgets, categories, and net-worth tracking from a single TUI, with all data stored locally under ~/.fungible/.Accounts are populated either by linking real institutions through Plaid (transactions refresh roughly every 15 minutes) or by importing CSV statements. Manual asset entries cover holdings that have no bank feed, such as property or vehicles. Transactions can be categorised manually or via substring and regular-expression rules, and arbitrary tags can be applied across accounts for cross-cutting analysis.The reporting views break spending down by category, by flexibility tier (fixed / flexible / discretionary), and over time, and surface higher-level metrics such as net worth, cash runway, projected FIRE number, and estimated years to retirement under adjustable assumptions.

PARAMETERS

--setup

Run the first-time configuration wizard: pick a base currency, set up the encryption key, and optionally link a Plaid item.

--demo

Launch a pre-populated demo instance with fake accounts, transactions, categories, tags, and rules. The demo profile is isolated from real data.

--version

Print the fungible version and exit.

--help

Show CLI help.

CONFIGURATION

All state lives under ~/.fungible/:~/.fungible/db.sqlite

SQLite database with accounts, transactions, categories, rules, and tags.

~/.fungible/key

Encryption key protecting Plaid access tokens. Back this up: losing it requires re-linking every Plaid account.

~/.fungible/config.json

User preferences (default views, tier definitions, currency, etc.).

CAVEATS

Plaid integration requires a Plaid developer account and an API key configured during --setup; without it, only CSV import and manual asset tracking are available.The encryption key in ~/.fungible/key is the only thing that protects stored Plaid access tokens. Treat it as a secret: include it in encrypted backups, never commit it to a repository.fungible is a single-user, single-machine app. It does not sync between devices, although the SQLite database can be copied if the key file is copied alongside it.

HISTORY

fungible is an MIT-licensed project published by tomfunk on GitHub in 2026, written in TypeScript on Node.js 22+. It bundles a TUI, an embedded API server, and an MCP (Model Context Protocol) server so AI assistants can read and categorise transactions on request.