# Gravy

**Canonical:** https://apis.io/providers/gravy/  
**Website:** https://gravy.finance  
**APIs profiled:** 0

Gravy is a local-first, AI-powered personal finance workspace that runs on the Mac. It connects every bank, credit card, and investment account, automatically categorizes every transaction, and lets people ask plain-language questions about their money while keeping the data on their own device for privacy. Gravy focuses on optimizing spending, surfacing savings, tracking investments and recurring subscriptions, and automating tedious money tasks for both individuals and small businesses. It is a Y Combinator (Spring 2026) company. Gravy is a consumer application and, as of this profile, publishes no public developer API, documentation, or SDK surface.

## Kin Score — 9.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Gravy Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Personal Finance, Fintech, Artificial Intelligence, Consumer, Local-First, Mac, Financial Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/gravy/). Scores are computed from the provider's own public artifacts under a published rubric.