googlarz/finance-assistant
finance-assistant is a local-first personal-finance copilot that runs on real math instead of LLM guesses. Built in Python by developer googlarz and updated through mid-2026, it pairs deterministic financial calculations — actual tax logic, not a model's best guess at your bracket — with an AI layer for explanation and planning. It ships with serious breadth: 6 locales, 13 bank statement formats it can parse, and a Monte Carlo FIRE simulator that runs thousands of scenarios to estimate when you could realistically retire. The feature that fits the subscription-cancellation story is Subscription Radar: it watches your imported transactions and flags recurring charges, including the zombie subscriptions that keep billing after you thought you'd cancelled them. Because it's local-first, your statements and balances stay on your machine rather than getting uploaded to a cloud service. It works with claude.ai, Claude Code and Cowork, is open source and free, and you run it yourself — the privacy-first counterweight to cloud apps that want your bank login.
Why It Matters
Every cloud bill-negotiation and subscription-tracking service asks for the same thing: link your bank, hand us your data, trust the cloud. finance-assistant is the answer for people who won't. It keeps your financial data on your own machine and uses deterministic tax and planning math, so the numbers it gives you aren't an LLM hallucinating a deduction — they're computed. That distinction matters more in finance than almost anywhere else, where a confidently wrong number costs real money. Its Subscription Radar does the most valuable job of the paid apps — surfacing the recurring charges and zombie subscriptions silently draining your account — without the privacy trade-off or the success fee. The honest limits: it's a self-hosted Python tool, so you need to be comfortable running it and importing your own statements; there's no slick mobile app and no one cancelling subscriptions for you; and the 13 supported bank formats won't cover every institution on earth. But for a developer or a privacy-conscious user who wants the insight of Rocket Money or Pine AI without sending their bank data to a third party, free and local is a genuinely different deal — you own both the data and the math.