# Sephiance - Financial Tools — Finance, Budget & Tax Tools > Finance, Budget & Tax Tools (iPhone/iPad app by IOANNIS TZALAS.) - Source: https://appshunter.io/ios/app/sephiance-financial-tools/id6771245791 (this page in markdown: same URL + `.md`) - Developer: [IOANNIS TZALAS](https://appshunter.io/developer/1896774179) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.4 · 6 MB - Languages: American English - Released: 2026-05-21 - Data updated: 2026-08-05 - User reviews in markdown: https://appshunter.io/ios/app/sephiance-financial-tools/id6771245791/reviews.md ## What is Sephiance? 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/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Sephiance Premium Monthly | $0.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Sephiance lifetime | $8.99 | one-time | ## Version history (last 5 releases) ### 1.8 — 2026-07-30 HUGE THANK YOU FOR 10K DOWNLOADS!!! We have optimized the app even further as you suggested, took us some time for the new fixes under the hood which you guys will feel instantly. ### 1.7 — 2026-06-16 ui tweaks! ### 1.6 — 2026-06-14 UI tweaks! ### 1.5 — 2026-06-11 bug fixes 2.0 :) ### 1.4 — 2026-06-04 You asked for a fresh look and we listened Sephiance has been completely reimagined A sleek new interface with frosted glass cards that make your financial data feel premium and modern at every glance Adaptive text colors that intelligently shift between light and dark mode for effortless readability A beautifully redesigned loading screen with refined animations and branding Smoother navigation with a polished Settings experience that puts everything exactly where you expect it Plus performance improvements and bug fixes to keep your finances running without a hitch We are improving Sephiance on the go from your feedback Contact us anytime and help shape what comes next ## More apps by IOANNIS TZALAS - [CompanionOS - Pet Care](https://appshunter.io/ios/app/companionos-pet-care/id6773142148) - [Wedding Planner GR](https://appshunter.io/ios/app/wedding-planner-gr/id6776855265) All apps by IOANNIS TZALAS: https://appshunter.io/developer/1896774179 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-05.*