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.