Sephiance - Financial Tools

Sephiance is the most complete personal finance app for Greece and the Eurozone. Track expenses, plan retirement, calculate Greek taxes, and monitor live ECB data — all in one free app. 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. A home screen widget and Live Activity keep your balance visible without opening the app. 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. LIVE ECB DATA Real-time European Central Bank data including policy rates, Eurozone HICP inflation, bond yields at 2Y, 5Y and 10Y, M3 money supply growth, and mortgage lending rates. CURRENCY CONVERTER 31 official ECB reference currencies with live daily rates. Search by country or currency name and convert instantly. GREEK TAX CALCULATOR (2026) Full Greek income tax calculation for employment, freelance, and rental income. Supports dependants, electronic spending deductions, withheld tax, and single-parent status. Save and compare multiple scenarios. LOAN & MORTGAGE CALCULATOR Monthly payments, total interest, and full amortisation for fixed, variable, and interest-only loans. DEBT PAYOFF PLANNER Snowball and Avalanche strategies with month-by-month timelines, total interest saved, and your exact debt-free date. RETIREMENT PLANNER Project your retirement pot based on current savings, monthly contributions, expected return, and target age. INFLATION CALCULATOR Powered by live IMF data. Calculate the real purchasing power of any amount across any year range. BREAK-EVEN CALCULATOR Enter fixed costs, variable costs, and selling price to instantly find your break-even point in units and revenue. SAVINGS GOAL TRACKER Set a target and deadline. See exactly how much to save each month to hit your goal. INVESTMENT CALCULATOR Model compound growth with custom contributions, return rate, and time horizon. CASH FLOW FORECAST A 30-day rolling calendar showing projected daily balances based on your recurring income and expenses. FINANCIAL NEWS Live headlines from leading European and global financial sources, updated throughout the day. BUSINESS IN GREECE Step-by-step guide to all five Greek business entity types — IKE, ΑΕ, ΕΠΕ, ΟΕ, and Sole Trader — with capital requirements, liability structure, and registration steps. FINANCIAL QUIZ Test your knowledge and earn investor ranks from Market Analyst to Chief Investment Officer. PRIVACY & SECURITY No data collected. Everything stays on your device. ENGLISH & GREEK Switch languages instantly at any time throughout the app. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/