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Mobile App

Sephiance Financial Tools

The most complete personal finance app for the Eurozone. #1 Finance App in Greece with over 15,000 active users.

Download on the App Store

Budget Tracker

Set category budgets, log income and expenses, and track progress in real time. Get notified before you overspend. Export reports as PDF or CSV.

Net Worth Tracker

Add assets and liabilities across 16 categories. See your net worth, debt-to-asset ratio, and a historical growth chart updated every time you save.

Greek Tax Calculator

Full Greek income tax calculation for employment, freelance, and rental income. Supports dependants, electronic spending deductions, withheld tax, and single-parent status.

Live ECB, IMF & BoE Data

Real-time European Central Bank policy rates, HICP inflation, bond yields, M3 money supply. IMF inflation data and Bank of England rates.

Loan & Mortgage Calculator

Monthly payments, total interest, and full amortisation for fixed, variable, and interest-only loans.

Retirement & Investment

Project your retirement pot, model compound growth, calculate inflation-adjusted purchasing power, and plan your debt-free date.

Currency Converter

31 official ECB reference currencies with live daily rates. Search by country or currency name and convert instantly.

Debt Payoff Planner

Snowball and Avalanche strategies with month-by-month timelines, total interest saved, and your exact debt-free date.

Inflation Calculator

Powered by live IMF data. Calculate the real purchasing power of any amount across any year range.

Financial News

Live headlines from leading European and global financial sources, updated throughout the day.

Savings Goal Tracker

Set a target and deadline. See exactly how much to save each month to hit your goal.

Cash Flow Forecast

A 30-day rolling calendar showing projected daily balances based on your recurring income and expenses.

Download on the App Store