Understand your personal finances. Forget Excels, try Whisper Money.
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Víctor Falcón 64b78e3680
fix(banking): handle balance-fetch timeouts and silence handled retries (#450)
Fixes two linked production banking-sync issues.

## PHP-LARAVEL-W — `cURL error 28: timed out` in
`EnableBankingProvider::getBalances` (8 events, 4 users, High)

`getBalances` called `$response->throw()` raw, so a connection timeout
(or ASPSP error) escaped as an **unhandled**
`ConnectionException`/`RequestException` and crashed the sync.
`getTransactions` already wraps these in
`TransientBankingProviderException` (which `implements ShouldntReport`
and is handled as a transient, retryable error in
`SyncBankingConnectionJob`).

→ `getBalances` now follows the exact same pattern. Genuine validation
errors (non-ASPSP 4xx) stay reportable.

## PHP-LARAVEL-2D — `SyncBankingConnectionJob has been attempted too
many times` (High, regressed)

The hanging balance call above pushed the job past its 120s `timeout`,
the worker was killed mid-job, and the retry tripped a
`MaxAttemptsExceededException`. That exception is thrown by the queue
worker (not catchable in `handle()`), and the job's `failed()` handler
**already** records the terminal `Error` state on the connection — so
the Sentry report is redundant operational noise.

→ Fixing W removes the main cause of the timeout. Additionally,
`MaxAttemptsExceededException` is no longer reported **for this job
only** (scoped via `dontReportWhen` on `$e->job?->resolveName()`); other
jobs still report it.

## Tests
- `getBalances` wraps connection failures and ASPSP errors as
non-reportable transient errors; keeps non-ASPSP client errors
reportable.
- `MaxAttemptsExceededException` is not reported for
`SyncBankingConnectionJob`, but still reported for other jobs.

Fixes PHP-LARAVEL-W, PHP-LARAVEL-2D.
2026-05-29 14:58:38 +02:00
.agents/skills chore: Update composer packages and laravel boost (#150) 2026-02-24 16:28:22 +01:00
.claude/skills chore: Update composer packages and laravel boost (#150) 2026-02-24 16:28:22 +01:00
.cursor chore: add sentry mcp (#300) 2026-04-17 10:42:34 +02:00
.github fix: build arm64 images on native runners (#419) 2026-05-22 16:05:48 +01:00
.opencode/skills chore: Update larevel boot package 2026-01-27 10:55:46 +01:00
.pi fix(automation): avoid rule preview n+1 (#431) 2026-05-26 08:02:46 +02:00
app fix(banking): handle balance-fetch timeouts and silence handled retries (#450) 2026-05-29 14:58:38 +02:00
bootstrap fix(banking): handle balance-fetch timeouts and silence handled retries (#450) 2026-05-29 14:58:38 +02:00
config feat: add PKR currency support (#443) 2026-05-28 09:46:09 +02:00
database fix(categories): expose cashflow setting on create (#448) 2026-05-29 11:05:04 +02:00
docker fix(docker): ensure www-data owns storage after artisan commands (#329) 2026-04-24 18:21:15 +01:00
lang fix(categories): expose cashflow setting on create (#448) 2026-05-29 11:05:04 +02:00
public chore: replace Caddy with Portless for local HTTPS proxy (#258) 2026-04-02 16:39:44 +01:00
resources fix(categories): expose cashflow setting on create (#448) 2026-05-29 11:05:04 +02:00
routes chore: update lead invitation schedule (#446) 2026-05-28 14:00:16 +02:00
screenshots fix: Add gap between filter/create button on mobile settings pages (#115) 2026-02-12 20:50:05 +01:00
scripts fix(tooling): fix stringWidth error in release-it interactive prompt (#179) 2026-03-01 19:53:01 +00:00
src/lib/crypto E2E Encryption 2025-11-07 14:21:25 +00:00
storage feat: Enable email verification on sign up (#97) 2026-02-03 10:15:07 +01:00
templates/coolify fix: split drip and default email senders (#263) 2026-04-06 12:16:47 +02:00
tests fix(banking): handle balance-fetch timeouts and silence handled retries (#450) 2026-05-29 14:58:38 +02:00
.dockerignore fix: publish and use production Docker image (#393) 2026-05-20 07:19:31 +00:00
.editorconfig Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
.env.example feat(mail): use AWS SES for email delivery (#422) 2026-05-25 10:59:57 +02:00
.env.production.example chore: track Sentry releases in CI (#294) 2026-04-16 08:04:59 +01:00
.gitattributes Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
.gitignore ci: speed up pipeline (#341) 2026-04-30 14:52:33 +00:00
.mcp.json chore: add sentry mcp (#300) 2026-04-17 10:42:34 +02:00
.php-cs-fixer.dist.php Execute browser tests on CI (#10) 2025-12-03 16:26:30 +01:00
.php-version chore: ignore local .php-version 2026-02-07 18:48:04 +01:00
.prettierignore Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
.prettierrc Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
.release-it.json ci: add manual release workflow (#334) 2026-04-26 08:44:26 +01:00
AGENTS.md chore: add PR check watch note to AGENTS (#314) 2026-04-21 11:14:06 +01:00
CHANGELOG.md chore: release v0.2.3 (#423) 2026-05-25 12:23:52 +02:00
CLAUDE.md chore: Update composer packages and laravel boost (#150) 2026-02-24 16:28:22 +01:00
Dockerfile chore: Simplify IndexedDB sync by moving to Inertia shared props (#63) 2026-01-19 19:15:26 +01:00
Dockerfile.production ci: cap Docker image build time (#405) 2026-05-20 09:45:12 +01:00
LICENSE.md Add Creative Commons license 2025-11-26 17:07:20 +01:00
LOCALIZATION.md feat: Spanish localization (#74) 2026-02-08 11:58:08 +01:00
ONBOARDING.md fix(banking): handle balance-fetch timeouts and silence handled retries (#450) 2026-05-29 14:58:38 +02:00
README.md chore: replace Caddy with Portless for local HTTPS proxy (#258) 2026-04-02 16:39:44 +01:00
artisan Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
autoresearch.md Speed up PR CI browser path (#365) 2026-05-07 20:40:13 +01:00
autoresearch.sh Speed up PR CI browser path (#365) 2026-05-07 20:40:13 +01:00
boost.json chore: Update composer packages and laravel boost (#150) 2026-02-24 16:28:22 +01:00
bun.lock chore: add MCP SDK dev dependency (#357) 2026-05-05 15:28:35 +01:00
components.json Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
compose.yaml chore: replace Caddy with Portless for local HTTPS proxy (#258) 2026-04-02 16:39:44 +01:00
composer.json feat(mail): use AWS SES for email delivery (#422) 2026-05-25 10:59:57 +02:00
composer.lock feat(mail): use AWS SES for email delivery (#422) 2026-05-25 10:59:57 +02:00
docker-compose.production.yml Add production Docker setup for easy self-hosting with the CI-built image (#42) 2025-12-30 07:22:19 +01:00
eslint.config.js Y3:0 2025-11-26 12:01:49 +01:00
falcode.json Add falcode config file 2026-03-11 15:28:52 +01:00
opencode.json chore: add sentry mcp (#300) 2026-04-17 10:42:34 +02:00
package-lock.json chore: release v0.2.3 (#423) 2026-05-25 12:23:52 +02:00
package.json chore: release v0.2.3 (#423) 2026-05-25 12:23:52 +02:00
phpstan-baseline.neon fix(static-analysis): clear phpstan-baseline by fixing all suppressed errors (#183) 2026-03-02 12:22:30 +00:00
phpstan.neon feat: selective retry of failed lead email jobs (#286) 2026-04-15 08:00:29 +01:00
phpunit.xml feat: use testcontainers for isolated MySQL in test runs (#153) 2026-02-25 10:14:20 +01:00
tsconfig.json Set up a fresh Laravel app 2025-11-07 12:01:36 +00:00
vite.config.ts Init browser Sentry from env DSN (#370) 2026-05-09 12:07:11 +02:00
vitest.config.ts Fix cashflow null category rows (#382) 2026-05-11 18:54:26 +02:00
vitest.setup.ts feat: add multiple chart view modes for net worth evolution (#37) 2025-12-30 07:22:19 +01:00
whispermoney fix: Wrong whispermoney script path 2026-01-16 18:48:44 +01:00
worktree.sh Notify users about expired bank connections (#404) 2026-05-20 09:20:13 +02:00

README.md

Whisper Money

Deutsch | Español | français | 日本語 | 한국어 | Português | Русский | 中文

Whisper Money

CC BY-NC 4.0

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

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)
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

Star History Chart

License

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