Whisper Money

The most secure way to understand your finances.

Whisper Money is a privacy-first personal finance application that helps you track, categorize, and understand your spending. We don't sell your data and we don't profile you for ads. The entire codebase is public, so you can check exactly where your data goes.

💬 Join our Community: Whether you're a user looking for help or a developer wanting to contribute, we'd love to have you in our Discord server! Share feedback, ask questions, discuss new features, or just hang out with fellow privacy enthusiasts.

Features

• 🔐 Privacy-first — You own your data and we never sell it. Self-host it and point the AI at a local model to keep it entirely on your own infrastructure
• 🏦 Bank account management — Track multiple accounts in one place, by hand, from an import, or synced straight from your bank with open banking
• 📊 Transaction categorization — Automatic and manual categorization
• 🤖 Automation rules — Set up rules to auto-categorize transactions
• 📈 Financial insights — Understand your spending patterns

Tech Stack

• Backend: Laravel 12, PHP 8.5
• Frontend: React 19, Inertia.js v3, TypeScript
• Styling: Tailwind CSS v4
• Database: MySQL
• Cache/Queue: Redis
• Testing: Pest v4

Running Locally

Quick Start (Recommended)

The easiest way to get started is using our automated setup script:

bash <(curl -fsSL https://whisper.money/setup.sh)

After installation, just visit https://whisper.money.localhost in your browser.

Manual Setup

If you prefer to set up manually:

1. Clone the repository:

git clone https://github.com/whisper-money/whisper-money.git
cd whisper-money

1. Run the setup script:

whispermoney install

Available Commands

Important: You must run whispermoney install before using any other command. If you skip the install step, commands like start will not work.

Once installed, you can use the whispermoney command for common tasks:

# Start all services
whispermoney start

# Stop all services
whispermoney stop

# Upgrade to latest version
whispermoney upgrade

# Interactive menu
whispermoney

Development Server

For active development with hot reloading:

composer run dev

This will concurrently start:

• PHP development server (via Portless HTTPS proxy)
• Queue worker
• Log viewer (Pail)
• Vite dev server

The application will be available at https://dev.whisper.money.localhost. In git worktrees, the branch name is automatically prepended (e.g. https://fix-ui.dev.whisper.money.localhost).

Running with Docker (Production Image)

For testing the production Docker image locally:

1. Copy the production environment file:

cp .env.production.example .env

1. Start the services:

docker compose -f docker-compose.production.yml up -d

The application will be available at http://localhost:8080.

To use a different port, set APP_PORT:

APP_PORT=3000 docker compose -f docker-compose.production.yml up -d

Deploying to Coolify

Whisper Money can be easily deployed to Coolify using our Docker Compose template.

Quick Deploy

1. In Coolify, create a new resource and select Docker Compose
2. Choose Empty Compose File as the source
3. Paste the contents from our template: 👉 whisper-money.yaml
4. Deploy!

The template includes:

• Whisper Money application container
• MySQL 8.0 database with health checks
• Persistent volumes for data and storage
• Auto-generated database credentials

Required Environment Variables

Variable	Description
RESEND_API_KEY	Email service API key (for password resets, notifications)

Note: APP_KEY and APP_URL are auto-configured. The container generates an APP_KEY on first startup if not provided.

Optional Environment Variables

Variable	Default	Description
DRIP_EMAILS_ENABLED	true	Enable drip emails (welcome, onboarding, feedback)
REGISTRATION_ENABLED	true	Set to false to close public sign-ups (the /register routes return a 403 and every registration CTA is hidden) while keeping /login open
SUBSCRIPTIONS_ENABLED	false	Enable Stripe subscriptions
STRIPE_KEY	-	Stripe publishable key
STRIPE_SECRET	-	Stripe secret key
STRIPE_WEBHOOK_SECRET	-	Stripe webhook signing secret
AI_PROVIDER	gemini	AI provider for every AI feature (gemini, ollama, openai, ...)
ENABLEBANKING_APP_ID	-	Enables bank connections; blank leaves them off

Bank Connections (Open Banking)

Connecting a bank — the flow that pulls a year of movements in and keeps them current by itself — goes through EnableBanking, a licensed open-banking aggregator. It is optional and a paid third-party service, so a self-hosted install ships with it switched off.

Without it the app runs perfectly well: accounts are created by hand or filled from a CSV import, and the brokers and exchanges (Indexa Capital, Coinbase, Binance, Bitpanda, Wise, Interactive Brokers) connect with their own API key and never touch EnableBanking. The bank connection is simply not offered anywhere in the UI.

This is the beginning of the README. Read the rest at the original. Read the full README ↗