# whisper-money/whisper-money

Understand your personal finances. Forget Excels, try Whisper Money.

Repository: https://github.com/whisper-money/whisper-money
Canonical: https://ross.abutalabs.com/products/whisper-money
Homepage: https://whisper.money
Language: PHP
License: NOASSERTION
License Family: other
Topics: budgeting, money-management, open-source, personal-finance, privacy, react, self-hosted
Last push: 2026-09-02T15:54:32+00:00

## Health v2 (maintenance only)
Score: 84/100 (v2, computed 2026-09-03T02:20:16.233290+00:00)
- activity 100, release rhythm 99, longevity 21
- inputs: {"age_days": 299, "days_push": 0, "days_rel": 9, "gap_med": 3, "n_releases_24m": 28}
- flags: no_license
- formula: round(0.45*activity + 0.35*rhythm + 0.20*longevity); archived -> min(score, 10)

## Adoption (not part of the score)
Stars 1113, forks 112 (observed 2026-09-03T02:15:20.502880+00:00)

## What it is
Whisper Money is a privacy-first, self-hostable personal finance application for tracking accounts, transactions, budgets, and spending insights. It supports syncing with thousands of banks and can point its AI features at a local model to keep data entirely on your own infrastructure.

## Use cases
- track my spending without spreadsheets
- self-host a personal finance app
- categorize bank transactions automatically
- create budgets and see spending insights
- sync multiple bank accounts in one place
- private alternative to Mint or Excel budgeting

## When to choose
- you want a privacy-first, self-hosted budgeting tool with bank syncing
- you prefer open-source code you can audit for data handling
- you want automatic transaction categorization with automation rules

## When to avoid
- you need a mobile-first native app experience
- you want a fully free tool - bank connections are on a paid plan
- you need accounting features like invoicing or double-entry bookkeeping

## Facets
- artifact type: application
- maturity: active
- function: self-hosted, analytics, workflow-automation, chatbot
- domain: fintech, privacy, self-hosted, developer-tools
- platform: self-hosted, php
- tags: personal-finance, budgeting, money-management, bank-sync, expense-tracking, laravel, react, inertia, web-server, docker

## Member repositories
- whisper-money/whisper-money (main) score 84

## Provenance
- Observed fields: from GitHub, fetched 2026-09-03T02:15:20.502880+00:00.
- Health v2: computed from the inputs above; adoption is never an input.
- Inferred fields (summary, facets, guidance): AI-extracted, prompt v1, taxonomy v1, on 2026-08-30T06:44:00.233117+00:00, confidence not recorded.
  - readme: https://github.com/whisper-money/whisper-money (fetched 2026-09-03T02:15:20.502880+00:00, sha 46fcd009a31d)
  - homepage: https://whisper.money (fetched 2026-08-29T12:47:33.891073+00:00, sha 32332b33ecc0)
  - site_page: https://whisper.money/integrations (fetched 2026-08-29T12:47:33.900788+00:00, sha b09462aecfed)
- Data as of 2026-08-30T08:39:29.467469+00:00.