Whisper Money

Chat with your own finances

Category: Finance
Primary Subcategory: Personal Finance & Budgeting Aggregators

Integration details

Description

Whisper Money is a privacy-first personal finance app: your financial data is yours, and it is never shared with third parties. This app connects ChatGPT to your own Whisper Money account so you can analyse your money in plain language instead of clicking through dashboards. Ask questions like "how much did I spend on groceries last month", "what's my net worth trend this year", "which subscriptions are draining me" or "break down Q2 by category" — the app reads your transactions, accounts, categories, labels, cashflow and net worth and answers with your real numbers. You can also keep your books tidy from the conversation: log manual transactions, recategorize and label existing ones, record balances for manual accounts, and manage categories, labels and automation rules. Your synced bank data is protected: transactions imported from a bank connection can be categorized and labelled, but never edited or deleted, and balances can only be recorded on manual accounts. You can still add your own manual transactions to a bank-connected account — a sync never removes them. Data is scoped to the account you sign in with, including any shared spaces you belong to. The app reads and writes bookkeeping records only — it can never move money, make payments or reach any account outside Whisper Money. Requires a Whisper Money account on a paid (Pro) plan. Sign in happens through Whisper Money's own OAuth flow — ChatGPT never sees your password, and access can be revoked at any time from your account settings.

Integration type: Plugin
Verification status: Not applicable
Platform: ChatGPT
Category: Finance
Primary Subcategory: Personal Finance & Budgeting Aggregators
Secondary Subcategories: None listed
Brand: Whisper Money
Access: Account required
First tracked: 2026-08-26
Tool count: 23
Geography: US

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Primary Subcategory

Competing in ChatGPT Personal Finance & Budgeting Aggregators

View Category

Listed in alphabetical order

Primary Subcategory

BankrateDiscoverability Score not live yetGet notified when it goes live

Borderless BudgetDiscoverability Score not live yetGet notified when it goes live

CapycashDiscoverability Score not live yetGet notified when it goes live

ClarityTrackDiscoverability Score not live yetGet notified when it goes live

ClearCashDiscoverability Score not live yetGet notified when it goes live

Whisper MoneyDiscoverability Score not live yetGet notified when it goes live

Tools

23 tools agents can invoke

Set (or clear) the category of any transaction, including bank/imported ones. Marks the category as manually assigned. Pass category_id: null to remove the category.
categorize_transaction
Create an automation rule that auto-applies a category and/or labels to matching transactions. At least one action (action_category_id or action_label_ids) is required; see rules_json for its format.
create_automation_rule
Record a balance snapshot on a non-connected (manual) account, replacing any snapshot for that date. Connected accounts are rejected: their balances come from the bank sync.
create_balance
Create a category. A child (parent_id set) inherits its parent type and cashflow direction; a root follows its own type. Categories can be nested up to 3 levels deep.
create_category
Create a label. Names are unique within the space.
create_label
Create a manual transaction on any account, bank-connected ones included. Amount is signed: negative for an expense, positive for income. Nothing dedups it, so add only what the bank will not sync.
create_transaction
Delete an automation rule. Transactions it already categorized keep their category; the rule simply stops running on future transactions.
delete_automation_rule
Delete a category. strategy decides its children: "reparent" (default) lifts them to its parent, "promote" makes them roots, "cascade" deletes the subtree and uncategorizes its transactions.
delete_category
Delete a label. It is removed from every transaction it was attached to.
delete_label
Delete a manually-created transaction. Only manual transactions can be deleted; bank/imported ones cannot.
delete_transaction
The app's full cashflow picture for a date range: income/expense/savings/investment summary (current vs previous), the category flow sankey and the monthly trend. Covers the whole account.
get_cashflow
Net worth for a date range: the current total vs the previous period, plus each account's balance evolution. Set granularity to "monthly" (default) or "daily". Covers the whole account.
get_net_worth
Add and/or remove labels on any transaction, including bank/imported ones. Pass add_label_ids and/or remove_label_ids.
label_transaction
List the user's accounts in a space, including whether each is connected to a bank/provider (connected accounts accept manual transactions but not manual balances).
list_accounts
List the user's categories in a space. Categories form a tree via parent_id; use the ids to filter search_transactions or spending_by_category.
list_categories
List the user's labels in a space. Use the ids with label_transaction or automation-rule label actions.
list_labels
List the spaces the user can access (personal and shared). Pass a space id to the other tools' `space` argument to query a specific one.
list_spaces
Search and filter the user's transactions by text, category, account, label, date range and amount. Use it to analyse spending, or to find recurring charges by grouping results by merchant.
search_transactions
Expense spending rolled up by category for a date range, across the user's whole account. Without parent_category_id it returns root categories; pass one to drill into its children.
spending_by_category
Edit an automation rule. Only the fields you pass are changed. The rule must always keep at least one action (a category or labels). See create_automation_rule for the rules_json format.
update_automation_rule
Edit a category. Only the fields you pass are changed. Moving it under a parent (or clearing parent_id to make it a root) re-derives its type/cashflow and cascades the type to its descendants.
update_category
Edit a label. Only the fields you pass are changed.
update_label
Edit a manually-created transaction; only the fields you pass change. Bank/imported ones keep their core fields locked — use categorize_transaction or label_transaction for those instead.
update_transaction

Whisper Money FAQ

How do I improve a ChatGPT Plugin's discoverability?

The levers are the listing surface agents actually read: names, descriptions, keywords, tool metadata, and registry health. Which lever matters depends on where discovery breaks, which is what continuous measurement shows.

What are Whisper Money alternatives on ChatGPT?

As of 2026-08-26, Whisper Money competes with Bankrate, Borderless Budget, Capycash, ClarityTrack, ClearCash, CloFin, Era Context, facturillo, Fold, Granite Finance, Kash, LedgerLens, Ledgy, Moneytree, MyTruv: AI Money Autopilot, Nanyfin, Pane, Per Diem, Pocket Ledger Expense Tracker, Pocket Runway, Simply Family Budget, SimsaSplit, Superbrain Finanzas, Synci, ualet, Vings, WalleK, YNAB: Get Good At Money, Yoshi in ChatGPT Personal Finance & Budgeting Aggregators, ranked by public Discoverability Score.

Where is this profile measured?

This profile uses the geography attached to the latest public registry snapshot: US. Locale tags are intentionally omitted.