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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—all while keeping your financial data encrypted and secure.

🎮 Try the Demo: Experience Whisper Money with our demo account - no registration required!

💬 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 — Your data is never shared with third parties. You own it
• 🏦 Bank account management — Track multiple accounts in one place
• 📊 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 8.4
• Frontend: React 19, Inertia.js v2, 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.local 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
• Queue worker
• Log viewer (Pail)
• Vite dev server

The application will be available at https://whisper.money.local or http://localhost:8000 (direct PHP server).

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)
HIDE_AUTH_BUTTONS	false	Hide login/register buttons on landing page
SUBSCRIPTIONS_ENABLED	false	Enable Stripe subscriptions
STRIPE_KEY	-	Stripe publishable key
STRIPE_SECRET	-	Stripe secret key
STRIPE_WEBHOOK_SECRET	-	Stripe webhook signing secret

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License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.