Whisper Money
Private & Secure

All your money in one place. No spreadsheets. Private.

Understand your finances and make better decisions without the friction. Track expenses, create budgets, and achieve your goals—all in one place.

Your data stays private. Always.

Your transactions at a glance
Manage all your accounts in a single place
Analyze your money, how it evolves, and how do you spent it

Connect Your Banks

Link your bank accounts directly. Transactions sync automatically, giving you a real-time view of your finances.

  • Connect in seconds
  • Automatic sync
  • Secure & encrypted
See all supported banks

Import in Seconds

Export a CSV or XLS from your bank and drag it in. A year's worth of transactions imported in under 10 seconds.

All Your Accounts

See every account in one place. Track balances, monitor changes, and always know where you stand.

Every Transaction

Search, filter, and let AI categorize automatically. Understand exactly where your money goes.

Your Data, Your Rules

Our own AI categorizes for you, never training on your data or sharing it with third parties. Your finances belong to you and only you.

Savings Goals

Put money aside for what matters. Tag the transfers once and every goal fills itself up, so you always know how far off you are.

Split Transactions

One receipt, several categories. Break a transaction into parts and each part counts where it belongs — merge it back whenever you want.

Cashflow at a Glance

Visualize your money flow over time. See income vs. expenses and spot trends before they become problems.

AI Connector

Your finances, inside Claude or ChatGPT

Connect Whisper Money to your assistant and ask about your money in your own words. It reads your transactions to answer you and, if you ask it to, puts them in order too: recategorising, creating rules, adjusting budgets.

An MCP server of our own, on the paid plan.

You connect it yourself

Nothing is connected until you connect it yourself, from your settings, under AI Connector. If you never connect it, nothing changes for you.

Ask, and set things straight

34 tools: 11 to read your transactions, balances, budgets and net worth, and 23 to change them.

  • Claude Desktop and ChatGPT
  • You sign in with your account, no keys to paste
  • Claude Code too, with a token

What the assistant can see

While it is connected, the assistant reads your data to answer you, and those conversations live in your own account with that assistant, under their rules and not ours. Remove Whisper Money from its connected apps and it stops answering.

Smart Budgets

Create budgets that adapt to your spending habits and help you reach your goals.

Set Your Goals

Define monthly budgets by category. Know exactly how much you can spend.

Track Progress

See where you stand in real-time. Visual progress bars show spending vs. budget.

Stay on Track

Get notified when you're close to your limit. Never overspend again.

Trusted by people who value their privacy

Join thousands of users who have taken control of their finances without compromising their privacy.

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Brian Bansuela

I just started syncing my accounts and it already feels like a great app. The interface is lovely and it looks like a really solid tool. Great work!

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David Carrión

I have a lot of faith in this project — it's really well built and your MVP is fantastic. Thanks for everything!

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Joel Molina

I really like Whisper Money and I think it's a very interesting app. I'm delighted to hear the Kuwaiti dinar is now available in production. That's great news!

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Jorge Navarrete

I'm exploring the web app and the design and UX are excellent. Thanks, team!

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Marcus Oliveira

Thank you for developing Whisper Money. The focus on privacy and centralizing finances is an excellent proposition.

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Mark

I've tried a load of apps that never quite fitted. Apps also scare me a little, because years ago I spent months entering data into one that was working nicely — I was on the paid version — and six months later it disappeared and I lost all the information, and above all the time. Yours looks very good.

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Carla Álvarez

I found Whisper Money and instantly knew I needed it. I was stuck doing everything in a spreadsheet — a chore I kept putting off. This makes it effortless.

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Yaritza Rey

Thank you so much for creating such a clean, simple app.

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Itziar Del Hierro

First of all, congratulations on making the app, and on the work you've put into it.

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Will Harris

Great project!

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Fernando

I found the app on my Instagram and I think it's a very good idea, and I like how it's designed. Good work on the app.

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Haru

I used to keep everything in a spreadsheet and it took forever — now I have my bank under control and add cash payments manually. Great work!

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Tom

I'm genuinely happy using an open-source project with a real commitment to privacy — that's exactly what I want from a finance app.

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Verónica Betancourt

I love the concept of the app. It's exactly the tool I had spent a long time looking for, precisely to manage my finances in one place and have a view of everything.

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Elena

I can't wait to discover everything the app can do. Thank you — it must have taken a tremendous effort. Congratulations!

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Albert G.

The app is intuitive, functional, and a real help for managing my finances day to day. What stands out most is how much the free version offers — it really shows your commitment to your users. I’ll keep recommending it!

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Geraldine Herraz

Overall I really liked the experience, and I think Whisper Money has enormous potential. Every success with Whisper Money.

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Priya Nair

Categorizing transactions used to eat my whole Sunday. Now the AI does it and gets most of them right, and the few it misses it remembers after I fix them once. I barely touch it anymore.

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Sofía Romero

My accounts sync on their own and everything lands already sorted, so checking my budget takes two minutes instead of an hour. I didn't think I'd keep up with it, but I have.

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Mauricio Rojas

First of all, congratulations on the app. I'm a software engineer too, and I know how complicated designing an application can be.

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Daniel Okafor

I was wary of letting any app run AI on my bank data. What changed my mind was that it only works for me and isn't fed into some model. Turns out it's accurate too.

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Lena Hoffmann

I drop in my bank’s CSV and it works out the columns and categories on its own. The part of doing my finances I used to dread is just gone.

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Marc Dubois

I had three apps and a spreadsheet before this. Getting every account in one place is the first time I've actually understood where my money goes.

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Abel Morilla

I appreciate your effort, your time and your dedication to getting this tool out there to make personal finance easier for people. You're doing a good job!

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Kenji Saito

Fast, clean, and a dark mode that doesn't fry my eyes at night. And it isn't trying to sell my data. That's everything I wanted.

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Francisco Montes

The design is simple and clean, and it's genuinely easy to use. In a few clicks I set up an account, imported my transactions, created a couple of automation rules, and tried the AI. Two days in, and it's the best I've found.

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Miguel Ángel SB

I love the style, the intuitive interface, how easy it is to use. If it keeps growing like this, Whisper Money will be my finance app of choice. You can tell it is built with passion — and things made with passion can only end up a success.

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Marta Bordiu

I'd been holding back on finance apps because I worried about my data — this is the first one I trusted enough to go premium. I love that I can put everything in one place, investments included.

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Ryan Haste

Great job on this project, love this! Keep up the good work.

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Ricardo Rovira

I really like the app — it's exactly what I was looking for. It's a great project, and I think you've nailed what a personal finance app should be, at least the way I want to manage mine.

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Víctor Falcón (co-owner)

I built the app I needed to make better decisions. Understanding how I spend and where my income comes from has brought me real financial peace of mind.

Simple, transparent pricing

Choose the plan that works for you. No hidden fees.

Free

Freeforever

Get started at no cost. No bank connections included.

Create the account now, update at any moment

  • Connect bank accounts
  • AI Suggestions
  • Unlimited accounts
  • Unlimited transactions
  • Your data stays yours
  • Smart categorization
  • Automation rules
  • Visual insights & reports
  • Priority support
Most Popular

Standard Yearly

€3.99€1.99/month

Billed annually at €23.88

Everything you need to manage your finances securely.

  • Connect bank accounts
  • AI Suggestions
  • Unlimited accounts
  • Unlimited transactions
  • Your data stays yours
  • Smart categorization
  • Automation rules
  • Visual insights & reports
  • Priority support

Frequently Asked Questions

Everything you need to know before getting started.

Your data is stored securely and never shared with third parties. We don't use your financial data for AI training, advertising, or any purpose other than providing you the service.

Yes. Whisper Money uses AI to automatically categorize transactions and suggest budgets, so you spend less time on data entry. It works only to serve you: your data is never used to train models, sold, or shared with third parties.

Yes. Bank connections use secure Open Banking and never require your bank credentials, so transactions can sync automatically. This is a Pro feature; free users can import everything, but only through the CSV/Excel importer.

Absolutely. You own your data. You can export all your financial data at any time, and you can permanently delete your account and all associated data whenever you want.

We support CSV and XLS files. Most banks allow you to export your transaction history in one of these formats. The import process automatically maps columns and categorizes transactions.

Yes! Whisper Money is fully open source. You can review the code, suggest improvements, or even self-host it. Transparency is a core part of our privacy commitment.

Ready to take control of your finances?

Start managing your money privately. No credit card required.