Everything, in one list

Every module,
in full.

The homepage makes the argument. This page answers the question — does it do the specific thing I need? Eleven modules, everything each one actually does, and the honest gaps.

The shared record of what happened

Household ledger

One ledger, read the same way by everyone on it — whether that's just you or a full house, and whether your money sits in one account or six.

Transactions

  • Expenses, income, transfers between your own accounts, and settlements between people
  • Split a cost evenly across household members, with the leftover minor unit assigned rather than discarded
  • Attach who paid, the category, and the person a cost belongs to
  • Search by merchant or note; filter by account, category, person and amount range
  • Export any filtered range to CSV

Accounts

  • Cash, bank, credit and investment accounts
  • Every account carries its own currency
  • Opening balances, so net worth is right from the first day
  • Balances derive from the ledger — opening balance plus everything since
  • Archive an account instead of deleting it; the history it carries stays intact

Categories & entry

  • Your own categories, with a name, colour and icon
  • Separate expense and income categories
  • No automatic bank connection — entries are added by you, generated from recurring bills, or drafted by SOPHIS AI for approval
Everyone under the roof, not just account holders

People & fairness

A household contains people who will never sign in. They still cost money, and the ledger accounts for them.

Four kinds of person

  • Member — shares full access to the account
  • Dependent — kids, parents, the people you track for
  • Roommate — split bills and settle up, without shared finances
  • Contact — a nanny, tutor or external payee you pay but don't live with

Who owes whom

  • Log a debt between any two people, whether or not they use the app
  • Settle it and have the ledger agree, via a settlement entry
  • Recurring allowances on a weekly, fortnightly or monthly schedule
  • Run an allowance early when you need to

Household governance

  • Invite by link, with roles
  • A spend-approval threshold: anything above it needs a second member to approve
  • The person who requested it cannot be the one who approves it
  • A per-person view: earned this month, share of shared costs, owed and owing
  • An activity log of every meaningful change in the household
  • Multiple households on the Family plan, switched from the sidebar
The recurring machinery

Budgets, bills & goals

The things that should keep happening without anyone remembering them.

Recurring bills

  • Daily, weekly, monthly or yearly cadence
  • Autopay generates a real transaction on schedule — not just a reminder
  • Mark paid, pause indefinitely, or skip only the next occurrence
  • Override the next due date without disturbing the schedule
  • Reminders ahead of the due date, dismissible per bill

Budgets

  • A monthly cap per category
  • Percentage used, and whether you are over or under
  • Visible against live spending as the month runs

Goals

  • A target amount with an optional target date
  • Log contributions toward it
  • Progress tracked separately from the richer Plans module
What already happened, and what is about to

Analytics & forecasting

Reporting on the past is table stakes. The useful part is the month you haven't lived yet.

Overview

  • Income against expenses, by month
  • Spending and income by category
  • A breakdown by who actually paid
  • Savings rate over time

Forecast

  • A 30-day cashflow projection
  • Toggle one-time upcoming expenses, upcoming income and transfers in or out of the projection
  • Projected closing balance and the lowest point along the way

Scenarios

  • Compare a baseline against a what-if, side by side
  • Add hypothetical inflows or outflows
  • Exclude specific bills, or multiply their amounts
  • Historical net income, savings-rate trend and per-earner breakdowns
Proposes the work. Never takes the last step alone.

SOPHIS AI

An assistant with real reach across your data and a deliberately hard limit on what it may do with it.

Two modes

  • Fast — one answer from a live snapshot of your numbers, no tools, no drafting
  • Agent — calculates, looks things up, chains steps, and drafts changes
  • Agent runs execute on a background worker, so closing the app does not kill them
  • Live progress streams back: each step, each lookup, success or failure

What it can read and change

  • Reads across transactions, accounts, budgets, bills, goals, vaults, njangi, plans, routines, business and people
  • Proposes changes to transactions, budgets, bills, goals, plans, routines and transfers
  • It does not write to vaults, njangi, business or people — those it can only read
  • Resolves names to records by fuzzy search, so it doesn't guess at identifiers
  • Arithmetic runs in a purpose-built evaluator rather than a code interpreter

Approval & safety

  • Every write is a proposal you approve or discard
  • Proposals are re-validated against live data at approval time, not when written
  • Per-domain permissions: off, review, or automatic
  • Money movement can never be set to automatic — the permission layer refuses it and a database constraint enforces it independently
  • Optional per-transfer and daily transfer caps
  • Anything applied automatically is logged and can be reverted in one click

Output & privacy

  • Generates real PDF, Excel and Word reports, delivered on a private signed link
  • Full run history: every step, its arguments and its outcome
  • Conversations are private to you, even inside a shared household
  • Choose the model — Claude, OpenAI, Gemini, DeepSeek, Kimi, or a local model you host
Shared pots, with proof the money landed

Savings vaults

A target, a deadline, and several ways to actually get money into it.

Paying in

  • MTN Mobile Money and Orange Money through Fapshi
  • PayPal
  • Bank or mobile-money transfer, verified from a receipt image
  • Manual entry when you just want to record it

Receipt verification

  • Reads amount, currency, recipient account and name, reference, bank and date from the image
  • Matches the amount to within one percent of what was expected
  • Checks currency, recipient and reference against the expected deposit
  • Flags low-confidence or blurry images rather than guessing
  • Explains which specific field failed instead of a bare rejection

Saving automatically

  • A fixed amount on a repeating schedule
  • Round-ups, rounding spending up to an amount you choose
  • A percentage of income captured on payday

Structure & insight

  • Milestones at a quarter, half, three-quarters and complete
  • Named mini-challenges inside a vault, with their own deadline
  • A lock-until date, and a projected value using an interest rate you set
  • Deposit streaks by week
  • Growth against plan, contributions per member, and the mix of deposit methods
The things you're building toward, together

Plans

Bigger than a goal and more collaborative — with a record of how it went.

Structure

  • Categories from savings and debt to travel, home, family, career and business
  • Ordered milestones, each with its own due date and money target
  • A milestone timeline view
  • A task checklist per plan

Progress & collaboration

  • Check-ins recording percent complete and amount saved, charted over time
  • Comment threads on a plan
  • Collaborators with owner, editor or viewer roles
  • Shared with the household by default, or explicitly private
  • SOPHIS AI can propose a plan, update one, or log a check-in for you
The one part that isn't about money

My Day

A light personal timetable living alongside the finances, sharing none of their data.

Routines & to-dos

  • Repeating routines by frequency, interval, weekday or day of month
  • One-off to-dos alongside them
  • Check things off, and keep a streak
  • A category, an optional emoji, a duration and a reminder offset
  • A day view, a week overview, and a full routine list

Time & privacy

  • Timezone-aware, including African timezones alongside global ones
  • Your zone is captured from the browser once, and never overwrites a choice you made
  • Routines are private by default — the opposite of Plans
  • Describe a day in one sentence and SOPHIS AI can schedule the whole thing
Proper books for the family business

SOPHIS Business

Available on the Family plan. Starts as simple as a sales-and-expenses log and opens up only when you ask.

Three modes

  • Simple — sales, expenses and reports, for a solo hustle
  • Standard — adds invoices, bills, customers and products
  • Advanced — the full suite: team, payroll and chart of accounts
  • Switch whenever you like; nothing is deleted, the extra parts are just hidden

Selling & buying

  • Invoices with PDF output
  • Configurable tax and VAT rates, with a default per business
  • Invoice in another currency, capturing the rate used on each line
  • Bills and payables
  • Customer and supplier contacts

Operations

  • Products with inventory levels
  • An audit trail behind every inventory adjustment
  • Employees, and payroll runs computing gross, tax, benefits and net
  • Hourly or salaried, moving from draft to approved to paid

Reporting & access

  • A business chart of accounts
  • Profit and loss with a monthly series and a category breakdown
  • Each row converted from the currency it was recorded in, using its own captured rate
  • Roles: owner, admin, accountant and viewer, enforced on the server
  • Businesses belong to members, so one person can run several across households
Rotating savings, run with a proper audit trail

Njangi

Optional, and invisible until you create one. If your family runs a njangi, tontine or susu, this treats it as real infrastructure.

Running the circle

  • Track a circle where cash never touches the platform, or collect through it
  • Weekly, fortnightly or monthly contributions
  • Payout by fixed rotation, random draw, or auction
  • Shuffle member order, invite by link, record contributions and draw the winner

Operations console

  • A log of payment-provider webhook events
  • A full cycle timeline
  • Payout events, with the ability to resync
  • Disputes carrying uploaded evidence, opened and resolved in the app
  • A ledger audit view and re-sync tooling
  • Retry a contribution payment that failed

Reminders & reconciliation

  • Email, in-app and WhatsApp reminders, each toggled independently
  • Cadences: on the due date, one or three days before, weekly, and overdue chasing
  • Quiet hours respected
  • Contributions and payouts write into the paying member's household ledger
  • Written exactly once, keyed on the external reference, so a retry cannot double-count
How it runs, and how your data is protected

Platform & security

The parts that decide whether it's trustworthy day to day.

Apps & offline

  • Installable as a PWA on any device, with shortcuts to the dashboard and quick actions
  • A native Android app
  • Because the app loads the live site, most improvements arrive without an app-store update
  • A clear offline banner, and a toast when the connection returns
  • Pull-to-refresh on touch devices

Money & currency

  • Every amount stored as a whole minor unit — never a floating-point number
  • Zero-decimal currencies such as XAF, XOF and JPY handled correctly rather than divided by a hundred
  • Per-account, per-vault, per-business and per-transaction currency

Accounts & notifications

  • Sign in with Google or an email and password
  • Password reset, and password change from settings
  • Notifications in-app, on the device, by Android push, by web push, and over WhatsApp for njangi

Security & billing

  • Row-level security on every table — access enforced in the database, not just the interface
  • Private storage buckets, reached through short-lived signed links
  • Paddle is the merchant of record, handling payment and tax
  • Cancel any time and keep access to the end of the period; 30-day money-back guarantee

Plans

Which plan unlocks what

A plan applies per person, and the best active plan in your household covers everyone in it.

Free

$0
  • The shared ledger, splits and settle-up
  • Budgets, goals and manual bills
  • The last 90 days of history, one household
  • Join a vault or njangi someone else runs
Most popular

Pro

$6.99/mo
  • Unlimited history and CSV export
  • Forecasting and what-if scenarios
  • Recurring bill automation and reminders
  • Create vaults and njangi; debts, allowances and approvals

Family

$12.99/mo
  • Everything in Pro
  • Multiple households
  • Full SOPHIS Business — invoices, payroll, inventory
  • Priority support

Start with the everyday.
The rest is waiting when you need it.