Budget
Know exactly what’s left
Your real take-home, minus everything it costs to live. No spreadsheets, no guesswork.
For Windows · 14-day free trial
Your entire financial world,
Your entire financial world,
in one place.
Pay, bills, savings and investments, finally together. See what you earn, what it costs to live, and what’s left.
From £2.99 a month · cancel any time£Left over this month£227.31
↗Net worth£3,957.97
Reads files fromTrading 212Hargreaves LansdownVanguardFreetradeInvestEngineCoinbaseKrakenBinanceYour bank’s statementsPayslip PDFs and photos
Features
One app. The whole picture.
Career
Payslips, read for you
Drop in a PDF or a photo. Spheras fills in the figures and tracks your pay, tax and pension for every job.
Net worth
Everything you own and owe
Savings, investments, home equity and loans in one number.
Household
Made for couples and families
A profile each. Shared bills split fairly. Private things stay private.
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Mortgage50 / 50£1,535.80
Council tax50 / 50£187.92
Investments
Stocks, crypto and savings together
Import from your broker and watch value, money paid in and gains over time.
Privacy
Private by design
We can’t see your finances, so we can’t lose them, sell them or leak them.
Kept on your computer
Your figures and files live on your PC, not on our servers. They are never sent to us.
No bank logins
Nothing connects to your accounts. You decide what goes in.
Sync on your terms
Using two computers? Changes travel through your own cloud drive, encrypted before they leave your PC. We never receive them.
Pricing
14 days free. Then simple.
Personal
For one person
£2.99a month
- Career, budget and investments
- Every feature included
- Up to 3 computers
Best for two
Household
For couples and families
£4.99a month
- Two people, a profile each
- Shared costs split between you
- One computer or one each
Nothing is charged during the trial. Cancel in a couple of clicks.
Good to know
Where is my data kept?
On your computer. If you sync between two computers, encrypted copies pass through your own cloud drive, such as OneDrive or Google Drive. Either way, we never get it.
Do I have to link my bank?
No. Download a statement from your bank and drop it in, or type things in yourself.
What does it run on?
Windows 10 and 11. Support for more devices is on the way.
Can my partner use it too?
Yes, with Household. Share one computer or use one each.
What happens if I cancel?
It keeps working until the end of what you’ve paid for, and your data stays with you.
Is this financial advice?
No. Spheras organises your own records. For decisions that matter, check with an adviser or the official source.
Get your finances in one place
Spheras opens to everyone soon. Leave your email and you’ll be first in.
Get early accesshello@spheras.co.uk