v3.6.0 open source local-first ★ GitHub

Real math. Real law. Your machine.

The precision of a tax accountant. The patience of a financial advisor. The privacy of a local app. No subscription. No cloud. No guessing.

Heads up: Finance Assistant is built for Claude Code (free CLI). The browser-based claude.ai version is limited to conversation — CSV import, SQLite, live prices, and scheduled digests all need a local install. Feature matrix.
Want zero data to Anthropic? Route Claude Code through claude-code-router + Ollama for fully local inference (answer quality drops noticeably — open-model tradeoff).

FA
Finance Assistant — session start
Net worth
€34,210
↑ €2,100 this month
Savings rate
22%
above 20% target
FIRE progress
19.5%
€34k / €175k target
Locale
🇩🇪 DE
Berlin · €58k gross

Needs attention:

[~] Budget almost full: Eating Out — Used 89% (€178/€200) with 12 days left → Slow down Eating Out spending or increase the budget. [~] Goal deadline approaching: Emergency Fund — 81% funded (€8,100/€10,000), 28d left → Need €67.86/day to reach goal by 21 Jun. [i] FIRE progress: 19.5% [████░░░░░░░░░░░░░░░░] €34,210 / €175,000 2 background items: investments, data_coach — say 'show all alerts' for details.
U
You

How close am I to my emergency fund goal?

FA
Finance Assistant

You're at €8,100 of your €10,000 emergency fund target — 81% funded, with 28 days until your June 21st deadline.

Emergency Fund81% · €1,900 to go

To hit the target on time you'd need to save €67.86/day — about €476/week. At your current savings rate of 22% (≈€1,065/month), you'll fall roughly €900 short unless you accelerate.

Options:

① Pause your Depot contributions for June (€300/mo) — closes €900 of the gap
② Extend the deadline by 4–5 weeks — no change to contributions needed
③ Both: hit target on time with a small Depot pause

Which would you like me to model?

U
You

I'm thinking of going freelance next year. What would my tax look like on €80,000 revenue?

FA
Finance Assistant

Running the 2025 German tax calculation for €80,000 self-employed revenue:

DE 2025 · §15 EStG · Single filer
Revenue €80,000.00 Business expenses (est.) −€8,000.00 (10% assumption — adjust below) Profit / taxable base €72,000.00 ── Income tax (EStG §32a) ────────────────────── Grundfreibetrag 2025 −€12,096.00 Taxable income €59,904.00 Progressive rate (24–42%) €15,872.00 ── Solidarity surcharge (Soli) ───────────────── Threshold (§3 Nr.56 SolZG) €18,130 tax → above threshold Soli (5.5% × €15,872) €872.96 ── KV + PV (GKV estimate) ────────────────────── Health insurance (14.6%) €8,352.00 Long-term care (3.6%) €2,059.20 Note: self-employed pay both halves ── Summary ───────────────────────────────────── Gross revenue €80,000 Income tax + Soli €16,744.96 Health + care insurance €10,411.20 Take-home (net) ≈ €44,843 (56.1% of revenue)

⚠ KV estimate GKV contribution is approximated — exact rate depends on your Krankenkasse and Zusatzbeitrag. The 2025 Mindestbeitrag is €200.40/month if income is low.

Want me to model a specific expenses figure, or run the comparison with Lohnsteuer as an employee at €80k?

U
You

Run a Monte Carlo FIRE simulation. I want to retire at 50.

FA
Finance Assistant

Running 10,000 Monte Carlo paths for retirement at 50 (23 years from now), drawing €2,800/month (today's money) adjusted for 2% inflation:

Monte Carlo · 10,000 paths · 7% µ · 15% σ
── Current state ─────────────────────────────── Portfolio today €34,210 Monthly contribution €850 (current savings rate) Time horizon 23 years to retirement ── Projected at retirement (age 50) ──────────── Median portfolio €712,400 10th percentile (bad luck) €398,200 90th percentile (good luck) €1,241,000 ── FIRE number required ──────────────────────── Annual expenses (inflation) €2,800 × 12 × (1.02²³) = €53,400/yr 4% safe withdrawal rate €53,400 / 0.04 = €1,335,000 ── Monte Carlo result ────────────────────────── Success rate (30yr drawdown) 61% ← at current savings rate Success rate at €1,200/mo 84% Success rate at €1,600/mo 94%

61% success At €850/month contributions, the median scenario falls short of your FIRE number by roughly €623k. To hit 90%+ success you'd need contributions around €1,600/month.

FIRE progress (current path)19.5% → target €1.34M

Want to see what changes if you: (a) increase contributions, (b) push retirement to 55, or (c) reduce target expenses?

FA
Finance Assistant — session start
[~] 1 file waiting in inbox — DKB_May2026.csv · 87 transactions ready to import → Say 'show inbox' to preview and import.
U
You

show inbox

FA
Finance Assistant
~/.finance/inbox/
Inbox: 1 pending file • DKB_May2026.csv — 87 transactions (csv · 2026-05-01 → 2026-05-22) → Say 'import DKB_May2026.csv' to add to your account.
U
You

import it into my DKB account

FA
Finance Assistant
✓ Import complete: DKB_May2026.csv 87 parsed · 74 new · 13 duplicates skipped ── Top new categories ────────────────────────── Eating Out 12 transactions €234.80 Groceries 9 transactions €318.40 Transport 7 transactions €112.60 Subscriptions 4 transactions €89.90 Other 42 transactions €621.40 May running total: €1,377.10 expenses · €4,833.33 income Eating Out is at 89% of your €200 budget with 12 days left.

74 new transactions categorized. The Eating Out alert fired immediately — you're close to your monthly limit. Want me to show the full budget status?