Summa: Budget, Expense Tracker

Summa: Budget, Expense Tracker

Money, Spending & Net Worth

1 ratings
3 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • April 21, 2026
  • August 12, 2026

Features

Summa: Budget, Expense Tracker screenshot #1 for iPhone
Summa: Budget, Expense Tracker screenshot #2 for iPhone
Summa: Budget, Expense Tracker screenshot #3 for iPhone
Summa: Budget, Expense Tracker screenshot #4 for iPhone
Summa: Budget, Expense Tracker screenshot #5 for iPhone
Summa: Budget, Expense Tracker screenshot #6 for iPhone
Summa: Budget, Expense Tracker screenshot #7 for iPhone
Summa: Budget, Expense Tracker screenshot #8 for iPhone
Summa: Budget, Expense Tracker screenshot #9 for iPhone
Summa: Budget, Expense Tracker screenshot #10 for iPhone
iphone
ipad
🖼️Get Icon
Icons↘︎

About

Gain deep financial insights without compromising privacy. This app processes all AI and ML models on your device, keeping your bank credentials and data secure. Track spending, manage budgets, monitor investments, and set savings goals with on-device intelligence.

On-device AI for privacy
Financial health score
Secure data sharing
Guided budgeting wizard
Receipt scanning with AI extraction
Investment portfolio tracking
Configurable notifications
Show original description

What's New in Summa

2.1

August 12, 2026

New in this update: lock Summa behind Face ID, Touch ID, or your device passcode. Turn it on in Settings under General, and Summa frosts over its contents in the app switcher so nothing shows while you switch apps. - Bank syncing now runs while your device is locked, so balances are current before you open Summa, alerts arrive as things happen, and Home Screen and Lock Screen widgets refresh right after a sync - Recurring charges keep matching the series you set up even when a merchant changes how the charge reads on your statement, and similar charges are grouped more carefully - Accounts you switch off in the Net Worth chart now dim in the sidebar and navigation drawer, and always update the totals - Transaction exports are cleared once you finish sharing them and are never included in device backups - Fixed reopening Summa bringing back onboarding, tours, and intro screens you had already dismissed - Fixed duplicate alerts arriving once quiet hours ended Also new since 2.0: - Summa Pro Lifetime: pay once and keep Pro forever, with a special upgrade price for annual subscribers - New Home Screen and Lock Screen widgets for your budget pace, net worth, and cash flow, plus Control Center controls to open Summa, add a transaction, or scan a receipt - Enter a mortgage by hand and Summa offers to create the matching property, so you can track your home equity right away - More accurate amount entry throughout the app: the numbers you type are read correctly in every language and number format - CSV import reads more bank files correctly and now lists any rows it could not read, and exported files keep the right dates and decimal places - Guided budget setup, recurring transactions, and investment holdings now save exactly what you entered Also in 2.0: - A new navigation drawer on iPhone: swipe from the left edge to switch sections or jump to any account - Cloud backup: your accounts, transactions, budgets, and goals restore automatically when you sign in on a new device - A rebuilt forecaster that shows the range your month could land in - A steadier, fairer Focus score with milestone badges across five tracks - Budget groups with rolled-up totals, plus smarter suggested budget amounts - Faster categorizing: one-tap category picks, bulk review by merchant, automatic merchant name cleanup, and quicker rules - Receipt scanning rebuilt, with sharper amount, date, and currency detection in 17 languages - A clearer, more accurate CSV import - US and Canadian banks can now import investment accounts and holdings automatically - Loans carry full detail with payoff charts and extra-payment scenarios; link a mortgage to a property to track home equity - Completed savings goals celebrate the finish line - Spaces: connect by QR code, with faster sync and stronger encryption - New alerts for statements, upcoming loan payments, and Focus milestones Plus dozens of fixes and refinements throughout the app.

More

Subscription plans

Pro + Connect Monthly

Pro features plus automatic bank sync

$9.991 Month
1 Month trial
How to cancel Summa subscription ⁉️

User reviews

Tudo é pago

A maioria das informações, são pagas

Response from developer

Olá Daniel, obrigado por reservar um tempo para compartilhar sua opinião. Entendemos perfeitamente a frustração de esbarrar em um paywall, e queremos ser transparentes sobre o porquê de o Spendlens funcionar dessa forma. Todo novo membro recebe um mês inteiro de teste gratuito, com acesso completo a tudo, sem nenhum recurso bloqueado, para que você possa realmente usar o app no dia a dia e decidir se ele merece um lugar na sua rotina antes de pagar um centavo. Quanto ao motivo de não ser gratuito: estamos construindo o Spendlens para o longo prazo, e uma assinatura justa é o que nos permite continuar melhorando o app ano após ano, em vez de buscar ganhos rápidos. Cobrar de forma honesta por um produto bem feito é, para nós, a maneira mais transparente de nos mantermos sustentáveis. Isso significa que podemos fazer o trabalho que amamos, e você tem a tranquilidade de saber que nunca venderemos seus dados nem promoveremos produtos de outras empresas só para ganhar dinheiro. Adoraríamos que você experimentasse o teste de verdade, e estamos sempre à disposição para qualquer dúvida ou sugestão.

Útil y Versátil

Esta aplicación me permite supervisar y mejorar mis finanzas personales de una manera gráfica y minuciosa.

Finally stopped guessing

Been through Mint, personal spreadsheets, and a Notes app in the last 5 years. This is on another level. What’s different for me is the forecast… it told me on a Tuesday I was on pace to blow the budget by Friday and I actually rerouted spending because of it. First finance app that warned me before the fact instead of just showing me the damage after.

Couple’s sharing was another surprise. My partner and I have kept our logins separate and this is the first thing that let us look at our spending consolidated in one place in real time for a true relationship budget management.

A small nitpick is it’s iOS only, so my mom is stuck on the outside. Not a deal breaker; hope it launches with integration in other platforms too.

The price is great and I look forward to seeing future updates!
Show more

FAQ

What is Spendlens's financial health score?

Spendlens calculates a financial health score based on your actual spending patterns, budget adherence, and savings momentum. This score provides a clear indication of your financial standing without generic advice.

How does Spendlens ensure user privacy?

All AI and ML models run on-device, meaning your bank credentials never touch their servers. Your financial data remains yours, and shared data is end-to-end encrypted, making it unreadable by the developers.

Can I share my financial data with others using Spendlens?

Yes, the Aperture feature allows you to securely share specific financial data with a partner, family member, or advisor. You have full control over what they can see, and the sharing is protected by end-to-end encryption.

How does Spendlens handle budgeting?

Spendlens offers a guided wizard for setting up budgets or smart suggestions based on your spending history. Visual indicators show your progress, and rolling budgets carry over unspent amounts.

What transaction import options does Spendlens offer?

You can scan receipts with your camera for automatic AI extraction, import data from CSV files with intelligent mapping, connect your bank for automatic sync (Pro+Connect), or add transactions manually.

Does Spendlens have ads?

No, Spendlens is ad-free. It is a free app with optional in-app purchases for advanced features.

What devices does Spendlens support?

Spendlens is currently supported on iPhone devices. It was released on April 21, 2026, and its latest version is 1.4.3, updated on June 5, 2026.

What is the age rating for Spendlens?

Spendlens has an age rating of 4+, making it suitable for a wide range of users. The app focuses on providing clear financial insights and management tools.