Spifex Personal
Personal finances with the clarity of an operating system
Plan what is coming, track what happened and understand your complete position across accounts, categories, budgets and goals — without stitching together spreadsheets.
Free plan available. No credit card required.
What you can do
A clear operating model for the way you manage money
Every outcome below is backed by an implemented Spifex workflow, not a future roadmap item.
See every account in one place
Add personal bank accounts, track balances and keep transfers separated from income and expense totals.
Plan with budgets and goals
Create budgets and goals, review progress and adjust the plan as real life changes.
Understand transaction history
Filter transactions by date, category, account, direction and settlement status.
Reconcile partial payments
Record full or partial settlements against accounts and keep the outstanding amount accurate.
Report without rebuilding data
Review outstanding and settled positions, categories and financial indicators from the same workspace.
Ask an AI assistant
Connect ChatGPT or Claude with read-only access to summarize transactions and categories.
How it works
Start small. Add structure as you go.
Create your personal workspace
Choose your country and currency and start on the Personal Free plan.
Add accounts and categories
Bring in the accounts and categories you already use, then adjust over time.
Plan, settle and review
Use budgets, goals, settlements and reports to keep the full picture current.
Questions