SOPHIS Finance — for one, for two, for a full house
What you spend, what you're owed, what you're saving for, and the books for whatever you run on the side — in one ledger, with an assistant that drafts the work and waits for your yes. Start on your own. Invite someone the day it stops being just you.
The everyday
One account or six, one person or five. However the money is arranged, there is exactly one version of what happened — and nobody has to keep score in their head.
Every account you own, every movement between them, in one place you both read the same way.
The awkward part of sharing money, handled by arithmetic instead of memory.
The recurring, forgettable things keep happening whether or not anyone remembers.
Everyone in the house
Maybe it's you and a roommate. Maybe it's you, a partner and three kids. Maybe it's just you, sending something home every month. The ledger knows the difference between all of them.
People who never sign in still count. You can track what a dependent costs, what a roommate owes, or what you pay someone each week — without giving anyone an account, and without needing a second person on the app at all.
Shares full access to the account
Kids, parents — you track for them
Split bills, settle up
Nanny, tutor, external payee
What they earned this month, their share of the shared costs, what they owe and what they're owed.
Every meaningful change is logged, so nobody has to remember who edited what, or when.
Keep your own home separate from the one you help your parents run, and switch between them.
Before it happens
Not a report on what you already spent. A view of the money that hasn't moved yet.
Add a hypothetical cost, drop a bill, double another — then read baseline and what-if side by side.
Income against spending, split by category and by who actually paid.
Generate the transaction automatically. Pause it, skip only the next one, or move the date.
Who owes whom, including people who never sign in. Settle it and the ledger agrees.
Amounts are whole minor units. XAF and JPY have no cents — we know, and we don't invent them.
SOPHIS AI
It reads every part of your household — accounts, budgets, bills, goals, savings, the business — and answers in your own numbers. When it wants to change something, it writes it down and waits for you.
It drafts ledger entries, budgets, bills, goals, plans and your day. It never reaches into anything on its own authority, and it can never move money without you — that one isn't a setting you could switch off by accident, it's enforced in the database.
“Log the school fees I paid Tuesday and split it with Ben.”
Ask a quick question and get an answer off a live snapshot. Or hand it something real and let it calculate, look things up and draft the work.
Longer jobs run on a worker, not in your tab. Put the phone down and come back to a finished result and the steps it took.
Ask for the quarter in writing and get a real PDF, Excel or Word file on a private link — not a wall of chat text.
Let it handle the dull categories on its own if you like. Everything it does that way is logged and can be put back with one click.
Savings vaults
A pot with a target and a deadline that you — or everyone you've invited — can pay into from wherever the money actually lives.
Sent a bank transfer? Photograph the receipt. It reads the amount, currency, recipient, reference and date off the image and checks them against what was expected — matching the amount to within one percent. When something doesn't line up it says which part, instead of just refusing.
MTN MoMo and Orange Money through Fapshi, PayPal, a plain bank transfer, or typed in by hand.
Quarter, half, three-quarters, done — marked as you pass them, so progress feels like progress.
Set a date the money isn't meant to be touched before, and see what it's projected to be worth by then.
Smaller named targets inside a vault, and a streak for the weeks you actually paid in.
SOPHIS Business
The shop, the workshop, the consulting on the side. Proper accounting that starts as simple as you need and grows only when you ask it to.
Sales, expenses & reports. Perfect for a solo hustle.
Adds invoices, bills, customers & products.
Full suite: team, payroll, chart of accounts.
Switch modes whenever you like — nothing is deleted, the extra machinery is just hidden until you want it.
Send a PDF, apply your VAT rate, bill in another currency and keep the rate you used.
What the business owes, alongside what it's owed.
Stock levels with an adjustment trail, so a count that changed can be explained.
Gross, tax, benefits and net per run — drafted, approved, then paid.
Your own account structure, not a fixed one imposed on you.
Each line converted from the currency it was recorded in, not a single blanket rate.
Depth, when you need it
Most households will never turn this on, and nothing here gets in your way until you do. But if your family runs a njangi, a tontine, a susu — it deserves better than a group chat and somebody's notebook.
So it's a real module: schedules, payout rules, an operations view with webhooks and an audit trail, and reminders that go out without anyone having to nag.
Full njangi capabilitiesGetting started
Start with the essentials. Everything else sits quietly in the background until you're ready. First value in under 5 minutes.
Sign up and a household, default accounts and categories are seeded for you. A household of one is completely normal — invite a partner, family or a roommate later, from Settings → Household, if you ever need to.
Cash, bank, credit, investments. Set opening balances so net worth is accurate from day one.
Expenses, income, transfers. Attach a payer, a category, split across people when needed.
Add recurring bills (autopay generates transactions), monthly budgets per category, savings goals.
Once a few weeks of data is in: forecasting and scenarios, SOPHIS AI, shared vaults, and the business books. None of it is in your way until you go looking.
Every page has inline help and empty-state prompts. Stick to Dashboard, Transactions, and Bills for your first week — the rest can wait.
Compare
Where each capability lives — Household, Vaults, Njangi, and Business share one ledger but play different roles.
Everything shares one ledger — vault deposits, Njangi payouts, and business books all reconcile into your household analytics.
The rest of it
The parts that aren't headline features but decide whether you keep using it.
The bigger things you're working toward, with milestones, tasks, check-ins you can chart, and a comment thread per plan.
A timetable and to-do list with streaks, in your own timezone. Describe the day in a sentence and SOPHIS AI can lay it out.
Add it to any phone as an app, or use the Android build. Most improvements arrive without an app-store update.
A clear banner instead of silent failure, and pull down to refresh when you're back.
In the app, on the device, by push, or over WhatsApp for njangi — whichever you actually read.
Google or an email and password, with password reset that works.
Access is enforced per row in the database, not just hidden in the interface.
Our merchant of record takes payment and tax. Cancel any time; 30-day money-back guarantee.
Questions
Straight answers, including the ones where the answer is no.
Still unsure whether it fits how you handle money? Read the full capability list or just start free — there is nothing to cancel on the free plan.
Changelog
Ask questions against your real numbers, or hand it a job and let it work on a background worker while the app is closed. Everything it wants to change waits for your approval, per-domain autopilot is revertible, and money always stops for a human.
A timetable, to-dos and streaks in your own timezone — the first part of SOPHIS that isn't about money. Describe the day in one sentence and the assistant can lay the whole thing out.
Invoices, expenses, bills, products, inventory, employees, payroll, multi-currency and tax — with profit-and-loss reporting and role-based access for whoever helps with the books.
Mobile-money and PayPal deposits, receipts verified from a photo, plus rotating-savings circles with payout timelines, dispute evidence and reconciliation into the household ledger.
Project 30 days of cash forward including one-time items, income and transfers, then switch on scenario mode to compare what-ifs side by side.
Start free — the everyday ledger, splits and settle-up, budgets and goals. Move up when forecasting, shared vaults or the business books start earning their keep.
