Your entire financial world,
in one place.
Payslips, bills, savings, investments and your net worth together in one app. It runs on your own computer, and your figures never leave it.
Personal from £2.99 a month · cancel any time
- No bank logins
- No adverts, no trackers
- No AI reading your data
- Your figures stay on your computer
Everything about your money, finally together
Most apps show one piece: your bank, your pension, your shares. Spheras puts your pay, your bills and everything you own side by side, so you can see what’s really left each month.
Your payslips, read for you
Drop in a payslip PDF, photo or screenshot and Spheras fills in the figures for you to check. Over time it builds the full picture of your career.
- Total earned, take-home, tax, National Insurance and pension, for every job
- Payroll checks that spot tax and NI that don’t add up
- Student loan balance and when it clears
- How your pay compares with inflation and the UK average
A budget that starts from your real pay
Your take-home comes straight from your payslips. Bills, living costs, subscriptions and investing come out of it, and you see what’s left.
- Bills, mortgage, rent, car, pets and dependants, each with its own page
- Import bank statements (CSV, Excel, PDF or screenshots) and file each payment once
- Typical-month view so one odd month doesn’t skew things
Stocks, crypto, savings and net worth
Import from your broker or add buys by hand. See what you paid in, what it’s worth and your gain, plus your home equity and loans for a true net worth.
- Trading 212, Hargreaves Lansdown, Vanguard, Freetrade, Coinbase and many more
- Optional live prices that only send ticker codes, never amounts
- Savings goals and pensions in the same view
Built for two, private where it counts
Share bills and the mortgage with your partner and each see your fair share, while your own career and private areas stay yours.
- Two people, each with their own profile and PIN
- Choose exactly what you share with each other
- Use it on each of your computers, synced through your own cloud folder
Your finances never leave your computer
Spheras isn’t a website you log your life into. It’s an app on your own computer, and it was built that way on purpose.
Stored locally
Everything you enter is kept on your computer. We never receive your payslips, balances or files, so we can’t lose them or sell them.
You stay in control
No connecting your bank or handing over passwords. You choose what goes in, by typing it or dropping in a statement.
No AI in the cloud
Payslips, receipts and statements are read on your computer. Nothing is sent off to be scanned or analysed.
We know very little
Your account holds your email and your plan, so the app knows you’ve paid. That’s it. Read the privacy policy.
Simple plans, every feature
Start with 14 days free. Nothing is charged until the trial ends, and you can cancel in two clicks from inside the app.
Personal
- One person
- Career, Money and investments
- Use it on up to 3 computers
Household
- Two people, each with their own profile
- Shared bills split between you
- Each on your own computer, or one shared one
Prices include any VAT that applies. Switch plans or to yearly any time.
Good to know
Is any of my financial data uploaded?
No. Everything you enter stays on your computer. The only thing that goes online is your account check (your email and plan) and, if you switch them on, live prices, which only send ticker codes like “VUSA”.
Do I need to connect my bank?
No, and you can’t. You add things yourself, or download a statement from your bank and drop it in. Spheras reads CSV, Excel, PDF and screenshots.
What do I need to run it?
A Windows 10 or 11 computer. A Mac version and a companion phone app are on the list for later.
Can my partner and I both use it?
Yes, on the Household plan. You can share one computer with a profile each, or each use your own computer and keep shared things like bills in sync through a folder in your own cloud storage.
What happens if I cancel?
Spheras keeps working until the end of the time you’ve paid for. Your data stays on your computer and you can save a copy of it whenever you like.
Is this financial advice?
No. Spheras helps you organise your own records and shows general UK rules for tax, National Insurance, pensions and student loans. Check anything important with the official source.
Coming soon to Windows
Spheras is in testing now. Leave your email with us and we’ll tell you the day it’s ready, with your 14-day free trial.
Email me when it’s readyOr write to hello@spheras.co.uk