Whisper Money – Open-source, privacy-first personal finance app

Hi HN,

I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties.

Whisper Money takes a different approach:

- *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with advertisers or data brokers. - *Self-hostable* - Run it on your own infrastructure via Docker or Coolify (one-click deploy template included). - *Open source* - Full code transparency so you can audit the security yourself.

Features: - Multi-account tracking with budgets and cashflow analysis - Automation rules to auto-categorize transactions (built with JSON Logic) - Visual spending insights and reports - CSV/XLS import (a year of transactions in ~10 seconds) - PWA support - works as a mobile app - Dark mode, multi-language support

Tech stack: Laravel 12, React 19, Inertia.js v2, TypeScript, Tailwind CSS v4, MySQL, Redis.

There's also a hosted version at https://whisper.money if you don't want to self-host, and a demo account you can try without registration: https://whisper.money/login?demo=1

I'd love to hear your thoughts on the approach. Is "no bank integration" a feature or a dealbreaker for you?

GitHub: https://github.com/whisper-money/whisper-money