Summa: Budget, Expense Tracker

Summa is the all-in-one money manager that keeps your financial life private. Budget planner, expense tracker, receipt scanner, bill reminders, savings goals, investments, and net worth in one beautiful app, with AI that runs entirely on your device.

No ads. No selling your data. Your bank credentials never touch our servers.

SEE EVERYTHING IN ONE PLACE Your dashboard brings spending pace, cash flow, upcoming bills, savings goals, investments, and net worth together in swipeable cards you can reorder any way you like. The Focus dashboard distills it all into a financial health score built from your real habits, with milestone badges that reward strong months.

BUDGET WITH CONFIDENCE Build a budget in minutes with the guided wizard, or let Summa study your spending history and suggest amounts that match how you actually live. Pace indicators tell you at a glance whether you are on track, close to the limit, or over. Group related categories, roll unspent money forward, and exclude any transaction from your totals with one tap.

TRACK EVERY EXPENSE, AUTOMATICALLY

• Connect your bank and new transactions sync on their own (Pro+Connect)
• Scan receipts with your camera: amount, merchant, date, and currency are read instantly, in any of 17 languages
• Import CSV files with a guided Import Check that matches accounts and catches duplicates
• Or log a purchase by hand in seconds

On-device machine learning categorizes every transaction and learns from each correction you make. Messy merchant names are tidied up automatically.

KNOW WHERE YOUR MONTH IS HEADED The built-in forecaster projects your end-of-month spending with the same statistical models analysts use (Holt-Winters and ARIMA), running entirely on your device. See the range your month could land in before it happens.

GROW YOUR NET WORTH Track investment portfolios, individual holdings, cost basis, and daily performance with live market data and interactive charts. Follow loans and mortgages with payoff progress charts, test extra-payment scenarios, link a mortgage to your property, and watch your home equity build. Net worth milestones show how far you have come.

NEVER MISS A BILL Summa detects your recurring payments and subscriptions, and 22 configurable alert types cover everything from bill reminders to large transactions and budget warnings. Quiet Hours keep your finances from interrupting dinner.

REACH YOUR SAVINGS GOALS Set a target, watch your progress rings fill, and celebrate the finish line, including how far ahead of schedule you were.

SHARE WITH SOMEONE YOU TRUST Spaces opens a secure window into your finances for a partner, a family member, or an advisor. Connect by scanning a QR code and choose exactly what they can see. Everything you share is protected by end-to-end encryption, so our servers only ever see ciphertext. Budgeting as a couple has never been this private.

PRIVATE BY DESIGN

• Every AI and ML model runs on your device; your financial data is never sent to external AI services
• Bank connections are handled by Plaid; your credentials never touch our servers
• AES-256 encryption with keys protected by the Secure Enclave
• Receipt images are processed in memory, never stored or uploaded
• No ads, no tracking pixels, no data sales. Ever.

MADE TO FIT YOU

• 17 languages and 50 currencies with live conversion rates
• Home Screen widgets, dark mode, custom themes, and color-blind friendly palettes
• Automatic cloud backup restores your data when you sign in on a new device

START FREE Try Summa Pro free for 1 month, then choose a monthly or annual plan. Pro unlocks forecasting, investments, net worth, widgets, Spaces, and advanced analytics. Pro+Connect adds automatic bank sync. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends; manage or cancel anytime in your App Store account settings.

Terms of Use: https://summaone.com/terms Privacy Policy: https://summaone.com/privacy