Summa: Budget, Expense Tracker

Summa: Budget, Expense Tracker

Money, Spending & Net Worth

2 ratings
3 reviews
Free
In-App Purchases

Details

Released
April 21, 2026
Updated
October 13, 2026

Features

Summa: Budget, Expense Tracker video #1 for iPhone
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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
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What's New in Summa

3.1

October 13, 2026

Summa is redesigned for iPhone Duo, and Spaces now lets you split, budget, and save together, with cleaner names and smarter categories on every transaction. Made for iPhone Duo - On the open display, Summa spreads out side by side with a floating sidebar. Closed, it keeps the iPhone design you know. - Open or close your iPhone Duo and Summa keeps your place: the same screen and chart, an open detail, and a transaction you were adding. - Toolbars move to the side rail, every action stays within reach in any position, and two-pane screens put their divider on the fold. Spaces for Two - Split any expense by amount or percentage, see who owes whom, and settle up with a note. - Build budgets you can both edit, save toward joint goals, and see a household forecast. - React to and comment on each other's transactions and goals. - You choose what is shared: keep a transaction private, never share a merchant or category, and preview exactly what your partner sees. - Spaces now works on all your devices, and a security code confirms it is really your partner. - Inviting a partner takes Summa Pro. They can join on the Free plan. Cleaner Names, Smarter Categories - Transaction names are tidied up automatically and keep the part that matters, like Costco Gas. Your existing transactions are updated too. - Rename a merchant once and every past and future transaction follows. - Automatic categories are more accurate, especially for imported bank statements. A Smarter Focus Score - Your score is rebuilt from 12 factors, including on-time bills and card use, with a breakdown in points and the tips worth the most. - Each month locks in a few days after it ends, so a good month stays good. - See it at a glance with the new Financial Health widget, or ask Siri for your financial health. Also New - Recurring payments add Twice a Month and Every 4 Weeks, and show paid, due, and overdue more accurately. - Savings goals let you add money or record a withdrawal by hand, and show when you finished early. - On iPhone, tap Insights on any transaction to see its merchant history and budget impact. - Investing charts keep your history when you are offline. - Many sheets now open tall enough for larger text sizes. Plus dozens of fixes and refinements throughout the app.

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Subscriptions & In-App Purchases

Pro + Connect Monthly

Bank sync + all Pro features

$3.001 Month
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!
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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.