## Overview
We're excited to introduce budgeting capabilities to Whisper Money! This
feature helps you take control of your finances by setting spending
limits and tracking your progress over time.
## Screenshots
<img width="1316" height="793" alt="image"
src="https://github.com/user-attachments/assets/ac394d36-cded-4ea4-9883-120785e260f1"
/>
<img width="1315" height="907" alt="image"
src="https://github.com/user-attachments/assets/7c682474-5aa7-4388-b626-29b56f5ebbef"
/>
<img width="1315" height="992" alt="image"
src="https://github.com/user-attachments/assets/21eace45-23c6-472d-9aa0-0feb6db3fba4"
/>
## What's New
### Create Flexible Budgets
- Set budgets for specific categories or labels
- Choose from monthly, weekly, bi-weekly, or custom periods
- Set your own budget start date for better alignment with your pay
schedule
### Track Your Spending
- Visual spending charts show how much you've spent vs. your budget
- See at a glance which budgets are on track and which need attention
- View all transactions that count toward each budget
### Smart Budget Management
- **Carry Over**: Unused budget amounts automatically roll into the next
period
- **Reset**: Unused amounts return to your available money pool
- Edit or delete budgets anytime as your needs change
### Easy Access
- New Budgets section in the main navigation
- Quick overview cards showing budget status
- Detailed budget pages with spending history and transaction lists
## How It Works
1. Create a budget by selecting a category or label and setting your
spending limit
2. Your transactions are automatically matched to relevant budgets
3. Track your progress with visual charts and spending summaries
4. Adjust your budgets as needed to stay on track with your financial
goals
This feature is now available behind a feature flag and can be enabled
for users who want to start budgeting their expenses.
## Summary
<img width="1220" height="1001" alt="whispermoney test_"
src="https://github.com/user-attachments/assets/c35751d5-385b-449c-81d6-14b5b6577ff2"
/>
Introduces a fully-functional demo account that lets prospective users
explore Whisper Money without creating an account. Users can click
"Check Demo" on the welcome page to instantly access a pre-populated
account with realistic financial data spanning 12 months.
## What's New
**Try Before You Sign Up**
- New "Check Demo" button on the welcome page for instant access
- Pre-configured demo account with real-world financial scenarios
- 12 months of sample transactions across multiple account types
(checking, savings, credit cards, investments)
- Pre-built automation rules, labels, and categories to showcase the
full app experience
**Demo Account Limitations**
- Demo accounts are read-only for sensitive operations (can't change
password, email, or payment settings)
- Clear messaging throughout the UI when demo restrictions apply
- Settings pages show helpful notices about demo limitations
- Automatic daily reset to maintain fresh demo experience
**Developer Experience**
- `php artisan demo:reset` command for manual resets
- Configurable via environment variables (DEMO_EMAIL, DEMO_PASSWORD,
DEMO_ENCRYPTION_KEY)
- Comprehensive test coverage for demo restrictions and data generation
## User Impact
This feature removes the friction of signing up before understanding the
product's value. Users can:
- Explore all features with realistic data
- Test automation rules and see them in action
- View charts and insights based on a year of financial activity
- Experience the full privacy-first encryption workflow
- Understand the product before committing to create an account
Perfect for demos, screenshots, documentation, and helping users make
informed decisions about whether Whisper Money fits their needs.
## Summary
Implements a complete user onboarding flow that guides new users through
setting up their account after registration.
## Features
- **Step-by-step wizard UI** with progress indicator and smooth
animations
- **E2E Encryption setup** with password strength indicator and
explanation of how encryption works
- **Account creation** supporting all account types (checking, savings,
credit card, investment, pension)
- **Category customization** with explanation of category types
(expenses, income, transfer)
- **Smart rules explanation** covering why there is no AI
auto-categorization (privacy & E2EE)
- **Transaction/balance import** based on account type
- **Sync integration** to ensure data consistency with backend
## Flow Diagram
```mermaid
flowchart TD
A[User Registration] --> B[Welcome]
B --> E[Encryption Explained]
E --> C{Has encryption key?}
C -->|No|F[Encryption Setup]
C -->|Yes|G{Has Existing Accounts?}
G -->|Yes| H[Show Existing Accounts]
G -->|No| I[Create First Account]
H --> J[Continue]
I --> K{Account Type?}
K -->|Checking/Savings/Credit Card| L[Import Transactions]
K -->|Investment/Pension| M[Import Balances]
J --> N[Category Types Explanation]
L --> N
M --> N
N --> O[Customize Categories]
O --> P[Smart Rules Explanation]
P --> Q[More Accounts?]
Q -->|Add More| I
Q -->|Finish| R[Complete]
R --> S[Redirect to Dashboard]
S --> T{Subscribed?}
T -->|No| U[Subscribe Page]
T -->|Yes| V[Dashboard]
```
## Technical Changes
### Backend
- Added `onboarded_at` field to users table with migration
- Created `EnsureOnboardingComplete` middleware for redirect logic
- Created `OnboardingController` with index and complete actions
- Custom `RegisterResponse` to redirect new users to onboarding
- Updated `AccountController::store` to return JSON for fetch requests
### Frontend
- `OnboardingLayout` - fullscreen layout with step progress
- `useOnboardingState` hook - manages step navigation and state
- 12 step components for each onboarding screen
- Backend sync after account creation and imports
### Tests
- Feature tests for onboarding middleware
- Updated existing tests to use `onboarded()` factory state
## Summary
- Add `WithoutSsr` middleware to disable SSR per route
- Extract API endpoints to `routes/api.php` for better organization
- Apply `WithoutSsr` to dashboard, accounts, and transactions routes
## Changes
### New Files
- `app/Http/Middleware/WithoutSsr.php` - Middleware that disables SSR
for specific routes
- `routes/api.php` - Dedicated file for API endpoints
### Modified Files
- `bootstrap/app.php` - Register API routes
- `routes/web.php` - Remove API routes, apply WithoutSsr middleware
## Route Structure
- **routes/web.php** - Page routes only (Inertia pages)
- **routes/api.php** - All `/api/*` endpoints
- **routes/settings.php** - Settings routes (existing)
Víctor Falcón