## Why #750 made a shared account count only your share of every transaction — on the dashboard and on the cashflow screen. Budgets were left out and shipped as a known gap: `budget_transactions.amount` is a snapshot written when a transaction is assigned, so a 50% joint account still spent **100%** of every expense against its budget. The same category could read €400 on the dashboard and €800 in Budgets. This closes that gap. ## What A €100 expense on an account you own 50% of now counts €50 towards your budgets. Because every budget reader funnels through `BudgetPeriod::spentAmount()` — a sum of those snapshots — weighing the snapshot covers the budget cards, the detail page, the spending chart, carry-over, the limit alert emails and the MCP tools in one move. - **Assignment writes the owner's share.** Both paths (the per-transaction listener and the historical backfill) go through one `recordSnapshot()`. - **Changing an account's share rewrites its history.** A single SQL `UPDATE` re-weighs every budget row of that account, in every period, past ones included. - **A migration re-weighs the rows written before this**, so existing shared accounts are correct on deploy instead of on the next edit. ## How The share is computed at the same two choke points #750 established: - **PHP** — `Transaction::ownerShareOf()` (extracted from `ConvertsTransactionCurrency`, which was doing the same null dance inline) feeds `BudgetTransactionService::recordSnapshot()`. - **SQL** — `BudgetTransactionService::reweighAccountSnapshots()` reuses `Transaction::OWNED_AMOUNT_SQL`, so the rounding matches what PHP would have written. A test pins both to the same answer on an uneven share. The re-weigh hangs off `Account::booted()` rather than `AccountController`, so a seeder, an artisan command or a future MCP write tool cannot silently skip it. It also clears the period's `close_to_limit_notified` / `over_limit_notified` flags, the same way a refund that drops a budget back under its limit does — otherwise a budget that fell out of "over limit" would stay claimed and never alert on the next real crossing. The owning account is eager loaded **withTrashed** everywhere the snapshot is written, because `OWNED_AMOUNT_SQL` joins `accounts` without the soft-delete scope; without it a transaction whose account was deleted would snapshot at 100% in PHP and at the real share in SQL. ## Deliberate boundaries - **Transaction rows still show the real bank amount** — #750's rule. The budget detail page is the one screen where a weighted total sits directly above its own itemised list, so it now says so in a line under the chart. The alert email had the same mismatch inside one message and now quotes your share. - **`carried_over_amount` is not re-derived.** It is a second snapshot taken when a period closes. `remainingAmount()` deliberately ignores it and the UI only types the field; it surfaces solely through MCP. Left alone rather than adding a second re-derivation path. - The migration's `down()` restores the full transaction amount, which is what those rows held — it cannot know a share an account no longer has. ## Testing `tests/Feature/SharedAccountOwnershipTest.php` gains the budget cases: assignment, the historical backfill, the re-weigh through the settings screen, PHP/SQL rounding parity on 33% of 3333, and the alert flags being cleared. `tests/Feature/WeighBudgetTransactionsMigrationTest.php` covers the backfill, including that it is idempotent and that it keeps refunds negative (the fix from `2026_02_24_193117`). Fixing that test needed the `BudgetTransaction` factory, which had been pointing at a `BudgetPeriodAllocation` model that no longer exists. Manual QA on real local data — budget "Miami Flight", account "Daily" set to 50%: | | Before | At 50% | Back at 100% | |---|---|---|---| | Miami Flight spent | €3,229.40 | **€1,955.79** | €3,229.40 | | Yearly Padel spent | €1,514.91 | €785.49 | €1,514.91 | €1,955.79 is €3,229.40 − €1,273.61, exactly half of the €2,547.24 that account had in the budget. The round trip lands back on the original figure to the cent, so the re-weigh is idempotent on real data too. ## Demo <!-- PLACEHOLDER: drag the QA video here --> https://github.com/user-attachments/assets/1fa5b98a-2a11-4cad-b927-496b434d3295 |
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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 | ||
| .crap-ignore.json | ||
| .dockerignore | ||
| .editorconfig | ||
| .env.example | ||
| .env.production.example | ||
| .gitattributes | ||
| .gitignore | ||
| .jscpd.json | ||
| .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 | ||
| chatgpt-app-submission.json | ||
| 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 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:
- 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) |
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.
Star History
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.