What Gravy does
Gravy is a local-first AI agent for personal finances, delivered as a Mac application that positions itself as a personal AI CFO. It consolidates banking, credit card, and investment accounts into a single workspace and answers natural-language questions about spending, cash flow, and what-if scenarios.
Key capabilities
- Aggregates accounts across banks, cards, and brokerages with live balances
- Automatic transaction categorization and anomaly detection
- Subscription tracking and cancellation alerts
- Investment tracking across holdings, gains, and exposure
- Deduction and record organization to support tax preparation
- Runs locally on the user's Mac, with user control over data export, backup, and deletion
Who it's for
Gravy is aimed at individuals who manage multiple accounts and investments and want a single view of their finances with an AI assistant. As an AI finance tool, it particularly appeals to Mac users who prioritize privacy and prefer their financial data to stay on-device rather than in the cloud.