## MCP Phase 2 — write tools > **Stacked on #689** (`mcp-functionality`). Base this PR on `mcp-functionality`, not `main`, and merge it **after** #689. Phase 1 shipped a read-only MCP server for Pro accounts. This adds the **write** surface and re-enables the read/read-write token scope the UI dropped in PR1. ### Write tools A new `WriteTool` base extends `McpTool`: on top of the Pro-plan gate it requires the calling token to carry `mcp:write`, returning a clear error for read-only tokens. Each concrete tool is annotated `#[IsDestructive]` (PHP attributes aren't inherited, so the annotation lives on each tool, not the base — a docblock on `WriteTool` notes this). - `create_transaction` — manual (non-connected) accounts only; forces `source = manually_created`. - `update_transaction` / `delete_transaction` — manually-created transactions only; bank/imported ones stay locked. - `categorize_transaction` — sets/clears the category on **any** transaction (imported included), marking it `category_source = manual`. - `label_transaction` — add/remove labels on **any** transaction. - `create_balance` — balance snapshot on manual accounts only. - `create_category` / `update_category` / `delete_category` — mirrors the settings controller (parent/depth/cycle rules, cashflow derivation, child strategies). - `create_label` / `update_label` / `delete_label`. - `create_automation_rule` / `update_automation_rule` / `delete_automation_rule` — JsonLogic conditions + category/label actions, at least one action required. - `list_labels` — a small **read** tool added so label ids are discoverable (label/automation tools are unusable without it). ### Guardrails Write tools never touch bank-sourced data: the existing `TransactionSource` enum and `Account::isConnected()` are the barriers, reused not reinvented. There is no server-side write confirmation (client-controlled, accepted decision) — hence `#[IsDestructive]`. ### Token scope `StoreMcpTokenRequest` re-adds `scope` (`read` | `read_write`); the controller grants `['mcp:read']` or `['mcp:read', 'mcp:write']`. The settings page gets its scope selector back with honest copy (new strings added to `lang/es.json`). The `/mcp` route stays gated on `abilities:mcp:read` — any MCP token can connect and read; the per-tool `mcp:write` check is what blocks writes. ### Tests Happy path + guardrail failures for every write tool, the read-only-token rejection (via a real read-only PAT so the `tokenCan` gate runs exactly as over HTTP), cross-user isolation, the inherited Pro gate, and read/read_write scope validation. ### Notes - `AutomationRule::labels()` gained a generic return annotation (needed for larastan level 5 on the new label mapping). ### Verification - `vendor/bin/pint --test` ✅ - `vendor/bin/phpstan analyse` (larastan level 5) — 0 errors ✅ - `php artisan test tests/Feature/Mcp tests/Feature/Settings/McpTokenTest.php tests/Feature/LocalizationTest.php` ✅ - `prettier --check` / `eslint` on `settings/mcp.tsx` ✅ |
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| .agents/skills | ||
| .claude | ||
| .cursor | ||
| .github | ||
| .opencode/skills | ||
| .pi | ||
| app | ||
| bootstrap | ||
| config | ||
| database | ||
| docker | ||
| docs | ||
| experiments | ||
| lang | ||
| public | ||
| resources | ||
| routes | ||
| screenshots | ||
| scripts | ||
| src/lib/crypto | ||
| storage | ||
| templates/coolify | ||
| tests | ||
| .dockerignore | ||
| .editorconfig | ||
| .env.example | ||
| .env.production.example | ||
| .gitattributes | ||
| .gitignore | ||
| .mcp.json | ||
| .php-cs-fixer.dist.php | ||
| .php-version | ||
| .prettierignore | ||
| .prettierrc | ||
| .release-it.json | ||
| AGENTS.md | ||
| CHANGELOG.md | ||
| CLAUDE.md | ||
| Dockerfile | ||
| Dockerfile.production | ||
| LICENSE.md | ||
| LOCALIZATION.md | ||
| ONBOARDING.md | ||
| README.md | ||
| artisan | ||
| autoresearch-dashboard.md | ||
| autoresearch.jsonl | ||
| autoresearch.md | ||
| autoresearch.sh | ||
| boost.json | ||
| bun.lock | ||
| components.json | ||
| compose.yaml | ||
| composer.json | ||
| composer.lock | ||
| docker-compose.production.yml | ||
| eslint.config.js | ||
| falcode.json | ||
| opencode.json | ||
| package-lock.json | ||
| package.json | ||
| phpstan-baseline.neon | ||
| phpstan.neon | ||
| phpunit.xml | ||
| tsconfig.json | ||
| vite.config.ts | ||
| vitest.config.ts | ||
| vitest.setup.ts | ||
| whispermoney | ||
| worktree.sh | ||
README.md
Deutsch | Español | français | 日本語 | 한국어 | Português | Русский | 中文
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.localhost in your browser.
Manual Setup
If you prefer to set up manually:
- Clone the repository:
git clone https://github.com/whisper-money/whisper-money.git
cd whisper-money
- Run the setup script:
whispermoney install
Available Commands
Important: You must run
whispermoney installbefore using any other command. If you skip the install step, commands likestartwill 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:
- Copy the production environment file:
cp .env.production.example .env
- 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
- In Coolify, create a new resource and select Docker Compose
- Choose Empty Compose File as the source
- Paste the contents from our template: 👉 whisper-money.yaml
- 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_KEYandAPP_URLare auto-configured. The container generates anAPP_KEYon 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 |
Star History
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.