API

The Whisper Money API lets your own scripts and apps read your data and change it over HTTP: accounts, transactions, categories, budgets and the rest of what you see in the app.

What it is

A REST API that answers JSON. It reaches your own data, the same data you see in the app, and nobody else's. It is meant for automating your finances: a script that exports your transactions to a spreadsheet every night, a home dashboard, or an app you build for yourself.

If what you want is to ask an assistant like Claude or ChatGPT about your money, you do not need the API: the AI Connector does that without writing any code.

The API is part of the paid plan. When a subscription ends, its tokens stay but every request answers 403 until you subscribe again.

Base URL

Every endpoint lives under:

https://whisper.money/api/v1

The API only speaks HTTPS and JSON. Send Accept: application/json, and Content-Type: application/json with any request that has a body.

Your first request

1. Open Settings → API and create a token. Copy it: it is shown only once.
2. List your spaces with it:

curl https://whisper.money/api/v1/spaces \
  -H "Authorization: Bearer wm_api_your_token_here"

The answer is your spaces, wrapped in data:

{
    "data": [
        {
            "id": "0199a3f2-6c1e-7b4d-9a8e-2f5c1d3b4a60",
            "name": "Personal",
            "personal": true,
            "owned": true,
            "created_at": "2026-01-15T09:30:00+00:00"
        }
    ]
}

The rest of the examples in these pages read the token from an environment variable, so set it once in your shell:

export WHISPER_MONEY_TOKEN=wm_api_your_token_here

How it behaves

These pages describe what every endpoint has in common. Read them once before writing a client:

• Authentication: personal tokens, OAuth apps and the scopes each one carries.
• Amounts and currencies: amounts are integers in each currency's smallest unit.
• Spaces: the space parameter.
• Pagination: how lists are paged.
• Errors: the shape of every error.
• Rate limits: 60 requests a minute.
• Idempotency: retrying a create safely.
• Changelog: what changed, and when.

The API reference lists every endpoint, with its parameters, an example request and an example response.

OpenAPI spec

The whole API is described as an OpenAPI 3.1 document at https://whisper.money/api/v1/openapi.json. It needs no token, so you can load it into Postman, Insomnia or a code generator, or hand it to an AI agent that writes the client for you.