Payments stay with Stripe
Checkout and card details are handled entirely by Stripe. Sumphoric never sees your card number.
Features
Organized around the benefit, not the machinery.
Sumphoric is not trying to win a feature-count contest. Everything here exists because it makes a monthly budget easier to keep: a clear plan, honest activity, useful reports, and easy ways in.
What you get
- Monthly budgeting with rollover
- Transaction management and categories
- Spending reports
- CSV import and bank connections
Every subscriber gets every feature. There is no higher tier.
Give every dollar a job — without the spreadsheet.
A budget should answer one question quickly: what is left, and what is it for? Envelopes keep the plan visible without turning every purchase into an audit.
- Envelope-style budgets with a clear amount left in each category
- Monthly planning with rollover so last month does not disappear
- A single view of what is spent, what is planned, and what is unassigned
November plan$4,250 planned
Auto-rollover onLeft to assign $1,403.82
Every transaction, already in context.
The activity list is where a budget stays honest. See what happened, which category it belongs to, and whether the plan is still on track — without a second spreadsheet.
- Search and filter the activity that matters
- Assign categories and add context with notes
- See pending and cleared transactions without a reconciliation ritual
All activityNovember 2026
5 recent transactionsFictional data
Understand the story, not just the totals.
Reports should help you make a decision, not just admire a chart. Sumphoric surfaces the few patterns that make next month easier.
- Monthly spending trends with a plain-language read
- Category breakdowns that show where the month actually went
- A growing history that makes next month easier to plan
Spending, last 6 monthsMonthly
$2,846 in November↓ 4.5% vs October
Flexible spending is down. Your savings envelope kept the difference.
Bring your history with you.
Years of categories and transactions should not be thrown away when you change apps. Import a CSV export from your bank or budgeting app, review the preview, and start with context instead of a blank page.
- Import past transactions from CSV exports of your bank or budgeting app
- A review step before anything is added to your plan
- Your categories and history arrive with you, not left behind
Import previewCSV
ExportImportReview
Nothing is added until you approve itFictional data
Connect your accounts — or don’t.
Bank connections are optional, not a requirement. Link accounts through Plaid and new transactions arrive on their own; skip them and Sumphoric works just as well with manual entry and CSV imports.
- Connect accounts through Plaid and watch new activity arrive automatically
- Credentials are entered on Plaid’s secure form and never stored by Sumphoric
- Disconnect any account at any time; manual entry and import always work too
Connected accountsPlaid
Synced activity, fictional dataRead-only access
Your data, protected
Privacy is a feature, not a promise.
The marketing site runs no advertising cookies or third-party analytics. Card details go to Stripe, bank credentials go to Plaid, and your budgets and transactions belong to you.
Credentials stay with Plaid
When you connect a bank, you sign in on Plaid’s secure form. Sumphoric only receives read-only transaction data.
No advertising, no selling
We do not sell personal information or use your financial records for advertising. Read the Privacy Policy for the full picture.
Ready to start
Every feature. Every plan.
Monthly and annual subscriptions include exactly the same product. Pick the billing schedule that suits you.
SubscribeTwo plans. Cancel anytime.