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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

• 🔐 End-to-end encryption — Your financial data stays private
• 🏦 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

Once installed, you can use the wispermoney 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.