Frequently asked questions
Straight answers, in plain language.
Everything practical about using Sumphoric: budgeting, transactions, imports, bank connections, privacy, and how subscriptions and billing work.
The one-minute version
- One subscription, two billing options
- Checkout handled securely by Stripe
- Cancel anytime by email
- Import history from CSV; banks optional
Budgeting and transactions
The core product
How monthly budgets work, and how transactions and categories keep the plan honest.
How does monthly budgeting work in Sumphoric?
Each month you plan how much to assign to categories like groceries, home, transport, and fun. As you spend, Sumphoric shows what is left in every category so you always know where the plan stands. Amounts you do not spend can roll into the next month.
Does the product preview on this website use real data?
No. Every name, balance, and transaction in the product preview is fictional. The preview shows how Sumphoric is designed to look and work, not a live account.
What platforms does Sumphoric run on?
Sumphoric is a responsive web app that works in your browser on desktop, tablet, and mobile. Native mobile apps are not available.
How do I manage transactions?
Every transaction lives in one searchable activity list. You can add transactions manually, edit amounts and dates, attach notes, and see money in versus money out at a glance.
How does category assignment work?
Each transaction is assigned to a category such as groceries, dining, or utilities, and that spending counts against your monthly plan for the category. You can rename categories, create your own, and reassign any transaction whenever the automatic guess is not right.
Can I see all my spending in one place?
Yes. The activity list and reports combine spending across categories and accounts, so a quick check tells you what is spent, what is planned, and what is left for the month.
Imports and bank connections
Getting your data in
Bringing history over by CSV, and connecting accounts through Plaid.
Can I import historical transactions?
Yes. Sumphoric supports importing past transactions from CSV files, such as exports from your bank or another budgeting app. You review what will be added before anything changes your plan, so switching does not mean starting from zero.
What file formats can I import?
Imports use CSV files with columns for date, description, and amount. If your bank or current budgeting app can export transactions as CSV, you can bring that history into Sumphoric.
Can I connect my bank accounts?
Yes. Sumphoric supports bank connections through Plaid, so new transactions can flow in automatically instead of being typed by hand. You choose which accounts to link, and you can disconnect at any time.
Does Sumphoric store my bank login details?
No. When you connect an account you enter your bank credentials on Plaid’s secure form, and Sumphoric never sees or stores them. Plaid provides Sumphoric with read-only transaction data for the accounts you link.
Do I have to connect a bank to use Sumphoric?
No. Bank connections are optional. You can run your entire budget with manually added transactions or CSV imports — connecting accounts just saves typing.
Data privacy and security
Your data, protected
What is collected, who processes it, and what never leaves your hands.
How do you handle my financial data?
The budgets, categories, and transactions you create in Sumphoric are your data, stored so the product can work. We do not sell personal information, and we do not use your financial records for advertising. See the Privacy Policy for the full picture.
How are payments kept secure?
Checkout and payment details are handled by Stripe, a major payment processor. Card details go to Stripe’s secure checkout — Sumphoric never sees or stores your card number.
What data does this website collect?
The marketing site itself does not use advertising cookies or third-party analytics, and there is no account to create here. When you subscribe, Stripe processes your payment and passes us your email so we can deliver your subscription. Read the Privacy Policy for details.
Subscriptions and billing
Plans, cancellation, and billing
Monthly versus annual billing, cancellation, refunds, and how app access works.
How much does Sumphoric cost?
Sumphoric is one subscription with two billing options: $7.99 per month, or $79 per year. Both plans include exactly the same features.
What is the difference between monthly and annual billing?
Only the schedule and the total. The monthly plan bills $7.99 once a month; the annual plan bills $79 once a year, which works out to $16.88 less than twelve monthly payments. You can switch or cancel at any time.
Is billing recurring?
Yes. Both plans renew automatically — monthly at $7.99, annually at $79 — until you cancel. Your card is charged by Stripe, and every payment appears on the receipt email Stripe sends you.
How do I cancel my subscription?
Email [email protected] and we will cancel your subscription for you. Cancellation stops future charges; you keep access through the end of the period you already paid for.
When do I get access to the app after subscribing?
App access is not provided immediately after checkout. Access instructions will be sent by email when available. If access has not begun, email [email protected] for a refund. The app itself lives at app.sumphoric.com.
Who should I contact about a billing problem?
Email [email protected] for anything billing-related: wrong charge, receipt questions, cancellation, or a refund request. Stripe’s receipt emails also include a secure way to manage your payment method.
Still curious?
Ask a real person. Get a real answer.
If something is unclear, email us. Billing questions, import questions, or a strong opinion about how budgeting should feel — all welcome.
Ready to start
Simple budgeting. Simple billing.
One subscription with every feature included — $7.99 a month or $79 a year.
SubscribeTwo plans. Cancel anytime.