# Summa: Budget, Expense Tracker — Money, Spending & Net Worth > Privacy-focused personal finance app with on-device AI for budgeting and investment tracking. (iPhone/iPad app by Strata Veritate LLC.) - Source: https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324 (this page in markdown: same URL + `.md`) - Developer: [Strata Veritate LLC](https://appshunter.io/developer/1818399397) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 18.4 · 305 MB - Languages: American English, Arabic, Dutch, French (France), German (Germany), Hindi, Italian, Japanese, Korean, Polish and 7 more - Released: 2026-04-21 - Data updated: 2026-08-25 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324/reviews.md ## What is Summa? 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 ## Key features - On-device AI for privacy - Financial health score - Secure data sharing - Guided budgeting wizard - Receipt scanning with AI extraction - Investment portfolio tracking - Configurable notifications ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pro + Connect Monthly | $9.99 | per month | | Pro + Connect Annual | $79.99 | per year | | Pro Monthly | $6.99 | per month | | Pro Annual | $49.99 | per year | | Pro Monthly | $6.99 | per month | | Pro Annual | $49.99 | per year | | Pro + Connect Monthly | $9.99 | per month | | Pro + Connect Annual | $79.99 | per year | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324/reviews.md ### 2/5 — Tudo é pago *2026-06-02* A maioria das informações, são pagas **Developer response:** 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. ### 5/5 — Útil y Versátil *2026-05-14* Esta aplicación me permite supervisar y mejorar mis finanzas personales de una manera gráfica y minuciosa. ### 5/5 — Finally stopped guessing *2026-04-22* 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! ## Frequently asked questions about Summa ### 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. ## Version history (last 5 releases) ### 2.1 — 2026-08-12 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. ### 2.0.1 — 2026-08-04 Spendlens is now Summa. New name, new icon, same app: your data, settings, and subscription carry over exactly as they were. Aperture is now called Spaces. New in this update: Summa Pro Lifetime. Pay once and keep Pro forever, with a special upgrade price for annual subscribers. 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. ### 2.0 — 2026-08-01 Spendlens is now Summa. New name, new icon, same app: your data, settings, and subscription carry over exactly as they were. Aperture is now called Spaces. 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 CSV import with the new Import Check flow - 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 - Feedback chat: message the Summa team right from the app and get replies with a notification Plus dozens of fixes and refinements throughout the app. ### 1.4.3 — 2026-06-05 Polish and Reliability * Spending History now has a Weekly/Monthly toggle, letting you switch between week-by-week and month-by-month views of your income and spending with detailed digest reports. * Bug fixes and optimizations for an improved experience. ### 1.4.2 — 2026-06-02 Polish and Reliability * Spending History now has a Weekly/Monthly toggle, letting you switch between week-by-week and month-by-month views of your income and spending with detailed digest reports. * Bug fixes and optimizations for an improved experience. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*