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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 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, ...)

AI Provider

Whisper Money's AI features (transaction categorization and automation-rule suggestions) run on laravel/ai and default to Google Gemini. The provider is configurable independently of the model, so you can point the app at any text provider laravel/ai supports — gemini, openai, anthropic, azure, groq, xai, deepseek, mistral, or a self-hosted Ollama server. Ollama is the headline case because it keeps AI processing fully local and private — data never leaves your infrastructure — but the switch is generic.

Each provider needs its own credentials configured for laravel/ai (e.g. GEMINI_API_KEY, OPENAI_API_KEY, ANTHROPIC_API_KEY, or OLLAMA_URL). An unknown or non-text provider fails fast when the AI feature runs.

Variable	Default	Description
AI_PROVIDER	gemini	Provider for all AI features. Set once to switch everything.
AI_SUGGESTIONS_PROVIDER	AI_PROVIDER	Override the provider for rule suggestions only.
AI_CATEGORIZATION_PROVIDER	AI_PROVIDER	Override the provider for transaction categorization only.
AI_REPORTS_PROVIDER	AI_PROVIDER	Override the provider for the stats-report summaries only.
AI_SUGGESTIONS_MODEL	gemini-flash-latest	Model used for rule suggestions.
AI_CATEGORIZATION_MODEL	gemini-flash-latest	Model used for transaction categorization.
AI_REPORTS_MODEL	gemini-flash-latest	Model used for the stats-report summaries.
AI_REPORTS_TIMEOUT	30	Seconds before a report is posted without its AI summary.
GEMINI_API_KEY	-	Required when the provider is gemini.
OLLAMA_URL	http://localhost:11434	Ollama server URL (used when the provider is ollama).
OLLAMA_API_KEY	-	Optional; only needed behind an authenticating proxy.

Example: fully local AI with Ollama

AI_PROVIDER=ollama
OLLAMA_URL=http://ollama.example.local:11434
AI_SUGGESTIONS_MODEL=gemma3:12b
AI_CATEGORIZATION_MODEL=gemma3:12b

Make sure the model is pulled on the Ollama server first (ollama pull gemma3:12b). Any other provider follows the same pattern: set AI_PROVIDER, that provider's credentials, and the *_MODEL vars to one of its models. Gemini remains the default, so existing deployments are unaffected.

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License

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