Fluide is a self-hosted finance app. It reads your accounts through Plaid, sorts transactions with rules and AI, asks you when it isn't sure, and answers questions from your own ledger.
Product preview with sample data: the Fluide Overview running at localhost:8080, then the Assistant answering why Shopping is up 38% this month, from the ledger.
Fluide asks Plaid for one product, your transactions. There is no code in it that can move money, by design.
A ledger that adds up
Every transaction is recorded twice, and the two sides sum to zero. The database rejects anything that doesn't, and every category change leaves an audit row.
Bring your own model
Pick the model that answers your questions: OpenAI, Claude, Gemini, OpenCode Zen, OpenRouter, or a local server such as Ollama or LM Studio, which keeps them on your machine. Keys are stored encrypted.
Product
Everyviewreadsthesameledger.
Overview, Transactions, Accounts, Cash flow, Review and Assistant all read the same rows in your own ledger.
Rules and Settings are in the app too: eight views, one ledger.
http://localhost:8080read-onlySample data
How it works
Onereadpath,fromyourbanktoyouranswer.
Three things happen on this path, and you start each one.
Scroll to follow each one.
When you press Sync
Fluide asks Plaid for anything new, with the keys you entered.
Plaid reads it from your bank. Read-only.
Each transaction is written into your ledger, both sides adding to zero, and every view updates.
When you sort
Your rules are checked first.
If you set up an AI model, it suggests a category for what's left, with a score.
Sure enough: filed. Not sure: it waits for you. Approving saves a rule for next time.
When you ask
Your question goes to the chat model you chose.
The model can only run read-only queries on your ledger. The ledger does the maths.
The answer comes back to you. A local model keeps all of it on your machine.
Connects through Plaid to
Assistant
Sixquestions,sixrealqueries.
The model picks a query. The ledger does the maths. Pick a local model and your question never leaves your machine.
↔ drag the questions and the app anywhere
spending by categoryWhat did I spend the most on this month?
one categoryHow much did I spend on groceries this month?
money in and outDid I earn more than I spent in September?
top merchantsWho did I pay the most this month?
account balancesWhat are my account balances?
recent transactionsShow me my two latest Whole Foods charges.
http://localhost:8080read-onlySample data
Security
Reachablefromonecomputer.Yours.
Fluide opens one door, on the computer it runs on. Your ledger has no door at all.
How a running install is laid out. Plaid and your AI model are only reached when you sync, ask or sort; nothing reaches in.
One door, on this computer
Fluide answers on 127.0.0.1 only, so it's reachable from the computer it runs on, not from your network.
Your ledger has no door
It sits on a private network inside the install. The app connects to it without admin rights.
Keys kept apart
Bank access, API keys and chats are encrypted with AES-256-GCM. The key lives in its own place.
A locked-down app
It runs as a regular user, can't change its own files, and has no special system permissions.
