Commerce · alternatives · 2026
24 alternatives to Whisper Money
Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 2 we have checked on their own sites, 2 of them free or with a free tier.
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Thank you for your comments, just some context: - The app is a simple desktop application that works on macOS, Windows, and Ubuntu. - I developed this app for my own needs. Getting tired of SaaS app subscriptions and privacy concerns. - For now, the activities are logged manually or imported from a CSV file. No integration with Plaid or other platforms. - No monetization is planned for now (only a "buy me a coffee" if you use and appreciate the app).
2024 · wealthfolio.app · its alternatives →
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I spent 2 years building a personal finance simulatorfree tier, from $10.75/mo▲766Hey everyone! After another year of building as a solo dev on nights and weekends, I'm back with an update on this post: https://news.ycombinator.com/item?id=31083093. TL;DR - ProjectionLab (https://projectionlab.com) is a privacy-friendly personal finance planning tool where you can create financial plans that go beyond the standard online retirement calculators. And by popular request, it now supports self-hosting for Lifetime users! Something I'm grateful for is that our community here on HN is the difference between PL existing and not. There was actually a time…
2023 · projectionlab.com · its alternatives →
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Ray▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
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uFincs is the easiest, privacy-friendly way of taking control of your finances. Control your money. Keep your data.
2021 · ufincs.com · its alternatives →
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EA88 là điểm đến giải trí trực tuyến hàng đầu với kho game đa dạng cùng tỷ lệ trả thưởng hấp dẫn. Tham gia ngay để tận hưởng bảo mật tuyệt đối và ưu đãi lớn.
2021 · safeapps.io · its alternatives →
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We built a local-first, private, multi-currency, double-entry based personal finance app. It will help you track, visualize, and plan your financial journey. Use the `Try demo` button, to try it without an account. Small screens (mobiles) are not supported yet. By local-first we mean, your data is on your system (we use sqlite over opfs, in browser). For synching across devices, the data is encrypted with your key before it leaves your device. You can backup the data locally (if you are using chrome) and/or to your dropbox. It's designed so that we (the people building it) can't access…
Nov 2025 · finbodhi.com · its alternatives →
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Hey HN People, I know it's 2025, and you might be wondering why there's a need for a personal finance web app. I'd like to share my story and why I created lit.Money. During COVID, I started actively managing my finances, primarily optimizing for FIRE and monitoring my progress. There are apps in India, but I didn't like their UI. I don't like to exchange messages or call with accountant for bank details or transaction queries. I also wanted a simple way to view my partner's and family's finances in one place. I considered Copilot, but it wasn't available in India. While there are 1 or 2…
2025 · lit.money · its alternatives →
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I was laid off recently and, instead of looking for another job right away, I decided to build something I always wanted: a transcription tool that respects user privacy. Existing transcription tools often require internet connectivity, send your private audio to cloud servers, or lock you into monthly subscriptions. I wanted something different—so I built WhisperBuddy, a privacy-first AI transcription app that runs entirely on your machine. WhisperBuddy uses OpenAI’s Whisper model (see: https://github.com/openai/whisper). While the model may not always deliver the…
2025 · whisperbuddy.com · its alternatives →
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Free privacy-first personal finance app | no bank connection
Dec 2025 · spendflow.uk · its alternatives →
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Treasury AI▲20Hi HN! I'm excited to share that Treasury (https://treasury.sh) is now available on the iOS App Store. Treasury is a personal finance app I've been building, and we just opened up our public beta. We'd love your feedback. Currently, Treasury has a set of core building blocks that let you create financial setups as simple or as complex as you want. You can track your net worth, analyze spending, spot recurring transactions, and build budgets that actually match how you think about money. Download it from the App Store and let me know what you think.
Jun 2026 · treasury.sh · its alternatives →
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Private financial vault to track your money securely.
May 2026 · share.streamlit.io · its alternatives →
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Assetli.app▲32Personal finance & net worth, wired to your AI
Aug 2026 · assetli.app · its alternatives →
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Kept▲3Track your money privately — no bank links, no subscriptions
Apr 2026 · kept.diversekit.cloud · its alternatives →
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Hey guys, I built an app that follows the envelope budgeting philosophy like YNAB and with beautiful expense breakdown displayed in sankey, line, bar charts. It also tracks your crypto wallet (BTC & ERC20), bank connections through Plaid and brokerage accounts through SnapTrade. Create unlimited categories, cash/loan/credit accounts and start budgeting at https://buildyourbudget.com/
Nov 2025 · buildyourbudget.com · its alternatives →
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It's at http://finkin.com. The goal is to allow a developer to sign up in seconds, and within minutes begin querying data. It runs under https and stores no access information. From http://news.ycombinator.com/item?id=1431583, I realized that all those types of sites are not tailored to developers like the other simple APIs around the web are (i.e. flickr). I made mine as simple as I thought possible. From http://news.ycombinator.com/item?id=1676458, I realized that eventually it should be a scalable model where you pay pennies per the # of requests you make. Right now it supports many…
2010 · finkin.com. · its alternatives →
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I loved learning how to build end-to-end encryption. I thought you'd need to go through every record. I felt really silly when I learned how keys can be used. For context, I'd blown through half a million dollars over 4 years and had no idea where it went. So I'm trying to get a grip on it with this app. I can't use bank statements, because I'm using different electronic money institutions (EMI) and Lebanon barely supports paying by card. It took a while to get a UI I actually wanted to use... The part I'm still unsure about is adding old savings. Some find it intuitive but others find it…
Jun 2026 · bucksbuddy.com · its alternatives →
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OpenTellerfree tier, from $6.99/mo▲4Private budgeting for any bank, in the AI you already use
Aug 2026 · openteller.app · its alternatives →
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Privacy first. Your finance. Your data. Your money in focus.
Apr 2026 · summaone.com · its alternatives →
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FinArt▲3Reads notifications, tracks expenses, never sells your data.
Apr 2026 · apps.apple.com · its alternatives →
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See where your money goes. No bank login required.
Jul 2026 · finance.one-m.app · its alternatives →
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Quantive▲5I started tracking my net worth when I started working in 2019 and I used a spreadsheet for that. But, having accounts in multiple currencies and updating it every month got old. I wanted to look at the numbers on my phone in a queue, but ended up rebuilding formulas at my laptop every month. Also, I didn't want to hand my bank logins to a third-party aggregator to get there. So I built the tool I've always wanted: without bank connections, syncing the same dashboard on every device, and making sure the data was encrypted in my browser so the server can't read it. You submit your balances or…
Jul 2026 · usequantive.app · its alternatives →
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I thought I could make a personal finance app that was simpler, smarter and more privacy-focused than Monarch, YNAB and Copilot. I believe I have, but today that's up to you. While the classic story of using a variety of "analog" tools to manage money does apply to me, the main pillars that pushed me to build Cadence Money were: - Pay for the level of syncing that's used including none - No built-in AI - Fully cross-platform including mobile browsers - Passkeys available day one - Proper Canadian support - No ads even for a book After seven years at 1Password as a Lead PM, I can safely say…
Jul 2026 · cadencemoney.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →