Personal + Business · One system

Money,in focus.

One live picture of every account, plan and settlement — for your money and your business.

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Free plan · No card required · Personal & Business

Free plan, no card requiredTenant-isolated workspacesOAuth 2.1, read-only AI accessBuilt for multi-stream operations

One platform for personal and business financial operations

Multi-entity operationsFinance operationsProject-led businessesVendor-heavy teamsPersonalBusiness

Why Spifex

Replace disconnected spreadsheets and tools with one money workflow

Plan what will happen, execute with controls, reconcile what did happen, and report without rebuilding the same data in four places.

See the full money picture

Cash-flow plans, settlements, bank balances and reporting live in one workspace instead of separate files.

Control execution

Role-based access, settlements and transfers follow a consistent, workspace-scoped operating model.

Keep every movement traceable

Connect planned entries to settlements, ledger structure and department or project ownership.

Decide with current numbers

Use KPIs and filtered views to understand outstanding, settled and projected positions without manual reconciliation.

Spifex Personal

Your personal finances, with the clarity of an operating system

Bring accounts, categories, budgets and goals into one workspace, then see how today's spending changes what you planned next.

  • Keep personal bank accounts and balances in one view.
  • Plan budgets and goals, then track progress against real transactions.
  • Review categories, outstanding settlements and indicators without rebuilding a spreadsheet.
  • Connect ChatGPT or Claude with read-only access to summarize your cash flow.
Start Personal freeExplore Spifex Personal

Free plan available. No credit card required.

Personal workspace

This month · all accounts

Personal
Planned budget68%
Settled42%
Goals on track3 of 4
Accounts, categories and goals share one currency and workspace.
Personal Free
Personal Starter
Personal Pro

Platform

One platform. Every money workflow.

Use the modules you need today and add structure as the business grows. All modules share the same workspace, currency and access model.

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Cashflow

Plan inflows and outflows, forecast scenarios, and track execution in real time.

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Banking & Payments

Centralize bank accounts, pay vendors, and manage transfers with built-in controls.

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Spend & Settlements

Standardize approvals, settlements, and internal movement of funds.

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Ledger

Chart of accounts, classification, and audit-ready financial structure.

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Projects

Attribute costs and revenues to initiatives with full traceability and KPIs.

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Departments

Budget ownership, accountability, and operational governance by team.

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CRM

Connect pipeline signals to cashflow visibility and planning.

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Inventory

Link operational inputs to financial outcomes without disconnected silos.

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AI connections

Ask ChatGPT or Claude about your cash flow

Connect Spifex through a read-only MCP connection. Your assistant can list workspaces, inspect transactions, summarize totals and map categories — without the ability to create, edit, settle or transfer anything.

  • Read-only scope: cashflow:read
  • Per-user OAuth 2.1 with PKCE
  • Revoke access instantly in Settings
  • Notes, observations and attachments stay out of responses
See how AI connections workAvailable from Settings → AI connections in Business and Personal workspaces.

Spifex connector

Streamable HTTP · MCP

Read only

scope cashflow:read

tools list_workspaces, list_cashflow_rows

summary summarize_cashflow

categories list_cashflow_categories

Cannot create, edit, settle or transfer.

How it works

Start with your data. Add controls as you grow.

No long implementation project required to get the first useful view.

1

Create your workspace

Choose your country, currency and workspace type. Start on the Free plan without a card.

2

Structure the essentials

Add bank accounts, categories, projects or departments. Import data where you already have it.

3

Operate and review

Plan cash flow, settle entries, reconcile movements and review KPIs from the same workspace.

Pricing

Start free. Upgrade when operations grow.

Every plan includes the core workspace. Paid plans add capacity and more operating room for growing teams.

Regional pricing is shown on the pricing page. Final billing and taxes may vary at checkout.

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Personal

Organize personal cash flow, accounts, categories, budgets and goals with the same operating discipline as a business.

Free · Starter · Pro

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Business

Run business cash flow, banking, settlements, ledger structure, projects and reporting with role-based controls.

Free · Starter · Pro

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Questions

What teams ask before starting

Is the Free plan really free?
Yes. You can create a workspace and start without a payment method. Paid plans are available when you need more capacity.
Does Spifex replace my accounting software?
Spifex is the operating layer for cash flow, banking visibility, settlements, governance and reporting. It complements your accounting stack rather than replacing statutory accounting.
Can the AI assistant change my data?
No. The v1 connector is read-only and requests only the cashflow:read scope. It cannot create, edit, delete, settle or transfer anything.
How is workspace data isolated?
Every query is scoped to a workspace the authenticated user owns or belongs to. Roles, lifecycle rules and plan entitlements are enforced server-side.
Can I import existing data?
Spifex supports structured imports for banking statements and common financial data. You can also start with a small workspace and add structure over time.

Start with clarity

Bring your cash flow, banking and reporting into one operating layer.

Start free, invite your team when ready, and keep the controls your finance operation needs.

Start freeTalk to the team