Sphinx Money that finally adds up.
Your accounts, credit cards, investments and household in one place, in every currency you use. Sphinx gets right the details other finance apps get wrong.
No ads. No trackers. Your data is never sold.
The details other apps get wrong.
Most finance apps are fine until real life happens: a returned purchase, a trip abroad, a card statement that doesn’t match the calendar month, a dinner you split. Sphinx was built for exactly those moments.
A refund is not a raise.
Return a £999.00 laptop and most apps file the money as income. Your earnings look inflated and your shopping looks like you never returned it. Sphinx links the refund to the original purchase, so the expense is offset where it belongs.
- Refunds reduce the category you spent in, never your income
- Sphinx suggests which purchase a refund belongs to
- Partial and multiple refunds, even when they land months later
Find anything you’ve ever spent.
Type a word and stack filters as you go: payee, category, tag, account, amount, date, statement, who paid. Results and their total update instantly, so “how much did we spend on takeaways this year?” takes seconds.
- Combine any filters, include or exclude
- Keyboard-first, with suggestions as you type
- The same search everywhere: accounts, cards, reports
Every currency, valued on the right day.
Keep accounts in any currency and see everything in your home currency. Sphinx uses historical exchange rates, so last summer’s trip is valued at last summer’s rate, not today’s.
- Accounts, transactions and holdings in any currency
- Historical rates for reports and net worth over time
- Transfers between currencies that keep both amounts
Know if you’re actually beating the market.
Track holdings with real cost basis, see performance against benchmarks like the FTSE 100, and follow every dividend. Buys, sells and payouts are marked right on the chart.
- Time-weighted returns against the benchmark you choose
- Cost basis and realised vs. unrealised gains
- Dividend history, yield and income over time
Statements, not just a running balance.
Sphinx follows each card’s real billing cycle: what’s on this statement, when it closes, when it’s due and how much you’ve paid. Overpay or get a refund after closing and the credit carries forward automatically.
- Statement cycles that match your card, not the calendar
- Payment tracking: paid, partially paid, due soon
- Leftover credit rolls into the next statement
Share money without sharing a spreadsheet.
Invite your partner, a flatmate or anyone you share costs with. Split a transaction evenly or by amount, see each person’s share in reports, and settle up when you’re ready.
- Split any transaction, evenly or your way
- See who paid and who owes, at a glance
- Settle up in one step and start fresh
One app for the whole picture.
Budgets, goals, retirement and even the things you own, all built on the same transactions.
Assets & warranties
Register the things you own, attach receipts and manuals, and keep warranty dates in one place. Link the purchase, running costs and eventual sale to see what it really cost you.
Budgets
Monthly budgets by category that account for refunds and splits.
Goals
Save towards what matters.
Retirement
Project when you can stop working, from your real savings rate.
Recurring
Subscriptions and bills, forecast ahead so nothing surprises you.
Speaks your language
Language and region are separate settings, so you can use Sphinx in Portuguese with UK categories.
Attachments
Keep receipts and invoices on the transaction they belong to.
Import & export
Bring your history in from CSV, and take it with you any time.
Reports & insights
Where your money goes, month over month, in every currency, with refunds and splits already accounted for.
Your finances are nobody’s business model.
Your money data stays between you and the people you choose to share it with. We don’t sell your data, we don’t show ads, and there are no third-party trackers anywhere in the app.
Questions, answered.
How are refunds handled differently?
When money comes back from a purchase, Sphinx links it to the original transaction instead of treating it as income. The refund reduces spending in that purchase’s category, so your income, budgets and reports stay accurate, even when the refund lands in a later month.
Can I use more than one currency?
Yes. Each account has its own currency, and Sphinx converts everything to your home currency using historical exchange rates, so past transactions are valued at the rate on the day they happened.
How does sharing with a partner work?
Create a household and invite the people you share costs with. You can split any transaction between members, see who paid what, and settle up whenever you like.
Can I bring my data from another app?
Yes. Import your transaction history from a CSV file, and export your data whenever you want. It’s yours.
Is my data safe?
Your data is encrypted in transit, you can sign in with passkeys, and we never sell your data or show ads. Read the details in our Privacy Policy.
Start seeing your money clearly.
Set up your accounts in minutes. Your first refund will thank you.