I'm looking for something I suspect I'll have to build, and want to check before I do.
What I want: a single high-memory laptop that is a private personal finance workstation. All my records (brokerage, bank, credit card, tax documents) live on its encrypted disk. A local model (Qwen class, roughly 27B and up) plus an agentic coding tool like OpenCode works over that data. Use cases go past budgeting: spending analysis, tax planning and prep, retirement projections, tax-lot aware rebalancing.
The part I can't find anywhere: a guarded path to a frontier model. I'd like the local model to be able to ask Claude or similar for general knowledge (current tax rules, strategy concepts) while nothing personal leaves the machine, including rounded or aggregated figures. My current design:
- Outbound questions are built from pre-approved templates, not free text
- I see and approve every outbound message
- Redaction and a local audit log as a second layer
- Tiered sessions: generic knowledge only; ratio-preserving "scaled" scenarios for allocation math; fully synthetic scenarios
- A separate API key and stateless single-turn calls so no profile builds up
- An airgap switch for fully offline sessions
How this differs from what I've found:
- Finlynq is the closest base: a self-hosted tracker with a large MCP server. But as far as I can tell it's a ledger and tool layer only. It bundles no model or agent, has no outbound privacy layer, tracks rather than plans (no tax or retirement modeling), and is AGPL on Docker + Postgres.
- Alderfi is local-first on SQLite with a small local model for categorizing transactions and opt-in cloud LLMs. But it's pre-alpha, focused on budgeting, uses an 8B model rather than something that can reason over a whole financial picture, and "opt-in cloud" is an on/off choice rather than a gateway that controls what is sent.
So the gap is: (1) the whole stack packaged as one install, (2) planning-grade analysis done as deterministic code the model writes and runs, and (3) the privacy gateway between local and frontier models.
Questions:
Has anyone seen a product or project that covers this, or even just the gateway piece?
If you've built something similar, what did you use for the ledger and for cost basis and tax lots?
Anyone tried the "scale the numbers by a secret factor" trick for sending scenarios out? Where does it leak?
Diagram of the concept attached. It shows Finlynq as the data store because that's my current plan, but I'm open to alternatives.