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…
Whisper Money launched on November 30, 2025 with 47 votes, #467 of 9,796 launches that month and more than 90% of that year's launches.
What it does
Your financial data stays private with end-to-end encryption. Track expenses, create budgets, and achieve your goals—all while keeping your information completely secure.
The most secure privacy-first personal finance app. Track expenses, create budgets, and manage your money privately.
Understand your finances and make better decisions without the friction. Track expenses, create budgets, and achieve your goals—all in one place. Link your bank accounts directly. Transactions sync automatically, giving you a real-time view of your finances. Export a CSV or XLS from your bank and drag it in. A year's worth of transactions imported in under 10 seconds. See every account in one place. Track balances, monitor changes, and always know where youfrom whisper.money
In the maker’s words, at launch
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…
Does a similar job
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RayApr 2026 · rayfinance.app · ▲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.
I built uFincs – a privacy-first, encrypted personal finance app2021 · ufincs.com · ▲58uFincs is the easiest, privacy-friendly way of taking control of your finances. Control your money. Keep your data.
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Source: Product Hunt launch ↗ · launch text quoted in part
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