# Whisper Money

> Whisper Money brings your bank accounts, brokers, crypto, property and loans together in one place, works out your net worth and lets you budget by category. It is a web app you can install on your phone, the code is public, and we do not sell or share your data with third parties.

## Product

- [Product summary](https://whisper.money/index.md): what Whisper Money does, what it does not do, pricing and platforms.
- [Whisper Money](https://whisper.money/): the landing page.
- [Roadmap](https://whisper.money/roadmap): what is planned, in progress and shipped.
- [Privacy policy](https://whisper.money/privacy)
- [Terms of service](https://whisper.money/terms)
- [Which banks and apps you can connect](https://whisper.money/integrations): every bank and app that can be connected, in English. Also at https://whisper.money/integrations.md
- [Qué bancos y apps puedes conectar](https://whisper.money/integraciones): every bank and app that can be connected, in Spanish. Also at https://whisper.money/integraciones.md

## Comparisons (English)

- [Fintonic alternative](https://whisper.money/compare/fintonic-alternative.md): https://whisper.money/compare/fintonic-alternative
- [YNAB alternative](https://whisper.money/compare/ynab-alternative.md): https://whisper.money/compare/ynab-alternative
- [Excel and Google Sheets alternative for your finances](https://whisper.money/compare/excel-and-google-sheets-alternative.md): https://whisper.money/compare/excel-and-google-sheets-alternative
- [An alternative to your bank's app](https://whisper.money/compare/bank-app-alternative.md): https://whisper.money/compare/bank-app-alternative
- [An alternative to Wallet, by BudgetBakers](https://whisper.money/compare/wallet-budgetbakers-alternative.md): https://whisper.money/compare/wallet-budgetbakers-alternative
- [Monefy alternative](https://whisper.money/compare/monefy-alternative.md): https://whisper.money/compare/monefy-alternative
- [Margen vs Whisper Money](https://whisper.money/compare/margen-vs-whisper-money.md): https://whisper.money/compare/margen-vs-whisper-money
- [Dinerio vs Whisper Money](https://whisper.money/compare/dinerio-vs-whisper-money.md): https://whisper.money/compare/dinerio-vs-whisper-money

## Comparativas (español)

- [Alternativa a Fintonic](https://whisper.money/comparativa/alternativa-a-fintonic.md): https://whisper.money/comparativa/alternativa-a-fintonic
- [Alternativa a YNAB en español](https://whisper.money/comparativa/alternativa-a-ynab-en-espanol.md): https://whisper.money/comparativa/alternativa-a-ynab-en-espanol
- [Alternativa a Excel y Google Sheets para tus finanzas](https://whisper.money/comparativa/alternativa-a-excel-y-google-sheets.md): https://whisper.money/comparativa/alternativa-a-excel-y-google-sheets
- [Alternativa a la app de tu banco](https://whisper.money/comparativa/alternativa-a-la-app-de-tu-banco.md): https://whisper.money/comparativa/alternativa-a-la-app-de-tu-banco
- [Alternativa a Wallet, de BudgetBakers](https://whisper.money/comparativa/alternativa-a-wallet-budgetbakers.md): https://whisper.money/comparativa/alternativa-a-wallet-budgetbakers
- [Alternativa a Monefy](https://whisper.money/comparativa/alternativa-a-monefy.md): https://whisper.money/comparativa/alternativa-a-monefy
- [Margen vs Whisper Money](https://whisper.money/comparativa/margen-vs-whisper-money.md): https://whisper.money/comparativa/margen-vs-whisper-money
- [Dinerio vs Whisper Money](https://whisper.money/comparativa/dinerio-vs-whisper-money.md): https://whisper.money/comparativa/dinerio-vs-whisper-money

## Documentation (English)

- [Full index](https://whisper.money/documentation.md?lang=en): every page below in one list, with the pages nested under each one.
- [Getting started](https://whisper.money/documentation/getting-started.md?lang=en): Whisper Money helps you understand where your money is, where it went, and what changed over time. Also at https://whisper.money/documentation/getting-started?lang=en
- [Accounts](https://whisper.money/documentation/accounts.md?lang=en): Accounts are the foundation of Whisper Money. They hold balances, transactions, and account history. Also at https://whisper.money/documentation/accounts?lang=en
- [Import balances](https://whisper.money/documentation/accounts/import-balances.md?lang=en): Bring a whole history of balances into an account from a CSV or Excel file, so the net worth chart goes back as far as your records do. Also at https://whisper.money/documentation/accounts/import-balances?lang=en
- [Edit balances](https://whisper.money/documentation/accounts/edit-balances.md?lang=en): Correct the balance history of an account you keep by hand: change a figure, fix a date, or delete a record that should not be there. Also at https://whisper.money/documentation/accounts/edit-balances?lang=en
- [Transactions](https://whisper.money/documentation/transactions.md?lang=en): Transactions are the individual money movements in your accounts. They power categories, cashflow, budgets, and automation rules. Also at https://whisper.money/documentation/transactions?lang=en
- [Create a transaction](https://whisper.money/documentation/transactions/create.md?lang=en): Add a transaction by hand when it did not arrive from a bank file or a connected account: cash, a repayment between friends, or something the bank never recorded. Also at https://whisper.money/documentation/transactions/create?lang=en
- [Import transactions](https://whisper.money/documentation/transactions/import.md?lang=en): Importing brings a bank file into Whisper Money when automatic syncing is not available for that bank, or when you would rather do it yourself. Also at https://whisper.money/documentation/transactions/import?lang=en
- [Splitting a transaction](https://whisper.money/documentation/transactions/split.md?lang=en): One payment is not always one thing. Splitting turns a single transaction into several, each with its own category and labels, that still add up to what the account really moved. Also at https://whisper.money/documentation/transactions/split?lang=en
- [Categories](https://whisper.money/documentation/categories.md?lang=en): Categories explain what each transaction means. Pick the right category and your reports become easier to trust. Also at https://whisper.money/documentation/categories?lang=en
- [Labels](https://whisper.money/documentation/labels.md?lang=en): Labels are flexible tags you put on transactions. A category says what kind of spending something is; a label says which of your things it belongs to. Also at https://whisper.money/documentation/labels?lang=en
- [Automation rules](https://whisper.money/documentation/automation-rules.md?lang=en): Automation rules save time by updating matching transactions for you. They can set a category, add labels, and add a note. Also at https://whisper.money/documentation/automation-rules?lang=en
- [Cashflow](https://whisper.money/documentation/cashflow.md?lang=en): Cashflow shows how money moves in and out during a period. It helps you understand whether you earned more than you spent. Also at https://whisper.money/documentation/cashflow?lang=en
- [Budgets](https://whisper.money/documentation/budgets.md?lang=en): Budgets help you plan spending and see how much room is left in a period. Also at https://whisper.money/documentation/budgets?lang=en
- [Savings goals](https://whisper.money/documentation/savings-goals.md?lang=en): A savings goal is an amount you are working towards, and a way of watching whether you will get there in time. A budget puts a ceiling on spending; a goal puts a floor under saving. Also at https://whisper.money/documentation/savings-goals?lang=en

## Documentación (español)

- [Índice completo](https://whisper.money/documentation.md?lang=es): todas las páginas de abajo en una lista, con las páginas anidadas bajo cada una.
- [Primeros pasos](https://whisper.money/documentation/getting-started.md?lang=es): Whisper Money te ayuda a entender dónde está tu dinero, dónde se fue y qué cambió con el tiempo. Also at https://whisper.money/documentation/getting-started?lang=es
- [Cuentas](https://whisper.money/documentation/accounts.md?lang=es): Las cuentas son la base de Whisper Money. Guardan saldos, transacciones e historial. Also at https://whisper.money/documentation/accounts?lang=es
- [Importar saldos](https://whisper.money/documentation/accounts/import-balances.md?lang=es): Trae a una cuenta un historial completo de saldos desde un archivo CSV o Excel, para que el gráfico de patrimonio neto llegue tan atrás como tus registros. Also at https://whisper.money/documentation/accounts/import-balances?lang=es
- [Editar saldos](https://whisper.money/documentation/accounts/edit-balances.md?lang=es): Corrige el historial de saldos de una cuenta que llevas a mano: cambia una cifra, arregla una fecha o borra un registro que no debería estar. Also at https://whisper.money/documentation/accounts/edit-balances?lang=es
- [Transacciones](https://whisper.money/documentation/transactions.md?lang=es): Las transacciones son los movimientos individuales de dinero en tus cuentas. Alimentan categorías, flujo de efectivo, presupuestos y reglas de automatización. Also at https://whisper.money/documentation/transactions?lang=es
- [Crear una transacción](https://whisper.money/documentation/transactions/create.md?lang=es): Añade una transacción a mano cuando no ha llegado desde un archivo del banco ni desde una cuenta conectada: efectivo, una devolución entre amigos o algo que el banco nunca registró. Also at https://whisper.money/documentation/transactions/create?lang=es
- [Importar transacciones](https://whisper.money/documentation/transactions/import.md?lang=es): Importar trae un archivo del banco a Whisper Money cuando la sincronización automática no está disponible para ese banco, o cuando prefieres hacerlo tú. Also at https://whisper.money/documentation/transactions/import?lang=es
- [Dividir una transacción](https://whisper.money/documentation/transactions/split.md?lang=es): Un pago no siempre es una sola cosa. Dividir convierte una transacción en varias, cada una con su categoría y sus etiquetas, que siguen sumando lo que realmente se movió en la cuenta. Also at https://whisper.money/documentation/transactions/split?lang=es
- [Categorías](https://whisper.money/documentation/categories.md?lang=es): Las categorías explican qué significa cada transacción. Elige bien la categoría y tus informes serán más fáciles de confiar. Also at https://whisper.money/documentation/categories?lang=es
- [Etiquetas](https://whisper.money/documentation/labels.md?lang=es): Las etiquetas son marcas flexibles que pones en las transacciones. Una categoría dice qué clase de gasto es algo; una etiqueta dice a cuál de tus cosas pertenece. Also at https://whisper.money/documentation/labels?lang=es
- [Reglas de automatización](https://whisper.money/documentation/automation-rules.md?lang=es): Las reglas de automatización ahorran tiempo actualizando transacciones coincidentes por ti. Pueden asignar una categoría, añadir etiquetas y añadir una nota. Also at https://whisper.money/documentation/automation-rules?lang=es
- [Flujo de efectivo](https://whisper.money/documentation/cashflow.md?lang=es): Flujo de efectivo muestra cómo entra y sale el dinero durante un periodo. Te ayuda a entender si ganaste más de lo que gastaste. Also at https://whisper.money/documentation/cashflow?lang=es
- [Presupuestos](https://whisper.money/documentation/budgets.md?lang=es): Los presupuestos te ayudan a planificar gastos y ver cuánto margen queda en un periodo. Also at https://whisper.money/documentation/budgets?lang=es
- [Objetivos de ahorro](https://whisper.money/documentation/savings-goals.md?lang=es): Un objetivo de ahorro es una cantidad a la que quieres llegar, y una forma de vigilar si llegarás a tiempo. Un presupuesto pone un techo al gasto; un objetivo pone un suelo al ahorro. Also at https://whisper.money/documentation/savings-goals?lang=es

## Notes

- Every page is available as Markdown by appending `.md` to its URL.
- Claims about competitors are quoted from those competitors' own public pages, with the date they were checked stated in the page.
- Data is stored unencrypted at rest in our own database; the code is public at https://github.com/whisper-money/whisper-money.