Whisper Money - Privacy-First Personal Finance App with End-to-End Encryption

[Teiluj]

---

Whisper Money - Privacy-First Personal Finance App with End-to-End Encryption

---

• Main Page: https://whisper.money/
• Git: https://github.com/whisper-money/whisper-money
• Licence: Creative Commons Attribution-NonCommercial 4.0 International
• Dockerfile: Yes
• Demo: https://whisper.money/login?demo=1

---

• Summary:
  • Privacy-first personal finance application with end-to-end encryption that keeps financial data encrypted on your device before reaching servers
  • Built with modern tech stack: Laravel 12, PHP 8.4, React 19, TypeScript, MySQL, and Redis for optimal performance
  • Features bank account management, automatic/manual transaction categorization, automation rules, and financial insights

---

• Notes:
  • Perfect for users prioritizing financial privacy - server never sees transactions in plaintext, making AI insights intentionally impossible
  • Creative Commons license limits commercial use, and key management/recovery UX is still being refined according to the developer

---

• Alternative to / Libhunt link: https://selfhosted.libhunt.com/actual-alternatives
• Screenshots:

[timconsidine]

Butterfly mind needed a new toy, so I packaged tried to package this.
Well actually, it was nice find for a task I have to handle, so thought why not give it a go.

Testing it out, and if ok, will add to CustomAppGateway. Sadly not ok - see post below.

[timconsidine]

I have decided to abandon the effort to package Whisper Money for Cloudron.

While I initially liked the app and the UI is attractive, technical analysis of the source code revealed fundamental flaws that make it unsafe for financial data. I'm not talking millions out or can't add up, but it is not 100% reliable. As a money app, it should be.

Why I am stopping:

• Critical Data Flaws: The app has two critical data integrity flaws (Format + Timezone) stacked on top of each other. I observed data corruption on dates where transaction dates shifted due to timezone logic errors and inconsistent CSV parsing.
• Unsafe Foundation: This is not a case of "one small bug"; it is indicative of a codebase that appears to be generated without understanding the fundamentals of data handling (Timezones, Locales, Deterministic Parsing).
• Not Production-Ready: For a finance app, data integrity is non-negotiable. Since basic data import is untrustworthy, I have zero confidence in the accuracy of downstream charts, reports, or recurring transactions.

I cannot in good conscience release a package where user data might be silently corrupted, even slightly. I recommend users avoid this application until the upstream maturity improves significantly.

Maybe ActualBudget can tick the boxes, it's in the AppStore already.

As a former finance professional and a 30+ year business manager, I haven't actually found anything which IMHO comes fully up to scratch. The closest I have found is Ocular, which I have packaged and is available on CustomAppGateway. [But Ocular does not pretend to be like WhisperMoney or ActualBudget, so may not have the features you want from those.]