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Building a Privacy-First Finance App with Laravel 12 and React 19
Hosted version: https://whisper.money
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Show HN: Whisper Money – Open-source, privacy-first personal finance app
- Dark mode, multi-language support
Tech stack: Laravel 12, React 19, Inertia.js v2, TypeScript, Tailwind CSS v4, MySQL, Redis.
There's also a hosted version at https://whisper.money if you don't want to self-host, and a demo account you can try without registration: https://whisper.money/login?demo=1
I'd love to hear your thoughts on the approach. Is "no bank integration" a feature or a dealbreaker for you?
GitHub: https://github.com/whisper-money/whisper-money
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Show HN: Whisper Money – a zero-knowledge personal finance app (E2E encrypted)
I built Whisper Money: a personal finance app designed so the server never sees your transactions in plaintext.
Core idea:
- Transactions/accounts/budgets are encrypted on the client before sync (zero-knowledge storage).
- No bank integrations/credential sharing; you import CSV/XLS from your bank instead.
- Open source: https://github.com/whisper-money/whisper-money
- Demo (no signup): https://whisper.money (see “Demo”)
Tradeoffs/limitations:
- Because data is encrypted client-side, server-side “AI insights” and some global features are intentionally not possible.
- Key management and UX around recovery are hard; I’m still iterating on the right balance.
I’d love feedback on:
1. threat model assumptions and key handling,
2. how you’d design search/categorization on encrypted data,
3. what you’d want to see before trusting this with real financial history.
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Show HN: Whisper Money – self-hosted personal finances with E2E encryption
there are some screenshots on the landing page https://whisper.money/
- Show HN: Whisper Money – End-to-End Encrypted Personal Finance App
- Show HN: Whisper Money – A privacy‑first, E2E encrypted personal finance app
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A note from our sponsor - SaaSHub
www.saashub.com | 10 Jul 2026
Stats
whisper-money/whisper-money is an open source project licensed under GNU General Public License v3.0 or later which is an OSI approved license.
The primary programming language of whisper-money is PHP.
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