# TrueSummit: Budget & Net Worth — Envelope Budget & Goal Tracker > Envelope Budget & Goal Tracker (iPhone/iPad app by Summit Collective LLC.) - Source: https://appshunter.io/ios/app/truesummit-budget-and-net-worth/id6789250065 (this page in markdown: same URL + `.md`) - Developer: [Summit Collective LLC](https://appshunter.io/developer/6789250068) - Category: Finance - Price: Free with in-app purchases - Age rating: 17+ - Requires: iOS 26.0 · 19 MB - Languages: American English - Released: 2026-09-28 - Data updated: 2026-10-24 ## What is TrueSummit? TrueSummit is a budget app built around one idea: when every dollar has a job, money stops being stressful. Inspired by envelope budgeting — the method that has helped millions get out of debt and build real savings — TrueSummit gives your money a destination before you spend it. Not after. BUDGET Give every dollar a job the moment it arrives. Organize spending into categories and groups that match your actual life. The Safe to Spend tile shows what's genuinely free to spend right now — not what's sitting in your bank account. Set monthly targets, carry unused funds forward with rollover, and draft a new budget from your own spending history in seconds. YOUR PEAKS — SAVINGS GOALS Every big goal starts with a single step. Your Peaks turns savings goals into climbs worth tracking: Japan trip, down payment, new guitar, emergency fund. Set a target, assign funds each month, and watch the progress bar climb toward the summit. TRANSACTIONS Every purchase, in one stream. Log by hand, snap a receipt with your camera, or import CSVs from Mint, YNAB, or Monarch. Connect a bank through Plaid and let transactions arrive automatically — or import Apple Card, Apple Cash, and Apple Savings straight from Apple Wallet, entirely on device. Split purchases across categories, track expected refunds, and turn any merchant into a one-tap auto-categorization rule. Smart Alerts flag overspending and unusual charges, and the subscription tracker surfaces every recurring bill so nothing slips by. HORIZON See what's coming before it arrives. The cash-flow forecast projects your balances weeks ahead around scheduled bills and paychecks. The What-If Simulator lets you test a raise, a big purchase, or a new rent payment before it happens. NET WORTH Your whole financial picture in one place: checking, savings, investments, and debts. Watch the trend line climb over time. Run a debt payoff plan and compare avalanche vs. snowball to find your debt-free date. REPORTS Spending breakdowns by category and merchant. Compare any two time periods side by side. Export to CSV or PDF, or generate a year-end tax summary at filing time. INSIGHTS On-device AI (Apple Intelligence) spots spending trends and flags anomalies — privately, without sending data anywhere. The Weekly Review is a five-minute check-in ritual, with a streak to keep alive. Savings challenges and a Wrapped-style year-in-review keep the momentum going. BUILT FOR YOUR DEVICE • Apple Watch companion with spending glance and quick-log • Home Screen and Lock Screen widgets • iPad sidebar layout • Face ID / Touch ID app lock • Dark design that's easy on the eyes, day or night PRIVACY FIRST On-device AI. Bank connections via Plaid with credentials that never touch TrueSummit's servers. Apple Wallet data (Apple Card, Cash, and Savings) is imported on your device only — never uploaded or shared. Export or erase everything you've ever entered. You own your data. SYNC AND SHARE Sign in to back up your budget to the cloud, and share a single budget with a partner or spouse. Both people see the same categories, balances, and goals in real time. PLANS Start with a free 30-day trial of TrueSummit Pro — bank linking, cloud sync, cash-flow forecasting, and reports. Keep going with a subscription: • Pro — connect your accounts, sync across devices, and plan ahead. • Premium — everything in Pro, plus receipt scanning, family sharing, AI Insights, investment and liability tracking, report and tax export, auto-categorization rules, Smart Alerts, a full year of cash-flow forecasting, and more. Questions or feedback? We read every message at support@truesummitapp.com ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | TrueSummit Pro Monthly | $7.99 | per month | | TrueSummit Pro Yearly | $69.00 | per year | | TrueSummit Premium Monthly | $12.99 | per month | | TrueSummit Premium Yearly | $99.00 | per year | ## Is TrueSummit safe? Not enough ratings yet to assess TrueSummit. ## Is TrueSummit legit? TrueSummit: Budget & Net Worth has limited verification signals. The AppsHunter Legitimacy Score for TrueSummit is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.0.5 — 2026-10-22 • Fixed an issue where deleting a budget category, goal, or scheduled item could cause it to reappear after syncing. • Net Worth now correctly shows every linked account — accounts that shared a common name (like "Checking") across different banks were sometimes hidden. • Cleaned up duplicate and leftover data on Horizon and Peaks. • Cleaned up duplicate goals showing on the Peaks tab. ### 1.0.4 — 2026-10-18 This update focuses on accuracy and reliability across sync, budgeting, and notifications: • Fixed an issue where a removed bank account could reappear after sync • Fixed bill reminder notifications occasionally showing outdated information • Fixed bills due on day 7 sometimes missing from Coming Up and Big Bill alerts • Fixed Last Month comparisons dropping the final day in shorter months • Fixed What If projections sometimes skipping the current month when a change was dated today • Fixed posting an overdue one-time bill creating duplicate transactions instead of just one • Fixed sync occasionally being interrupted before it finished • Improved label spacing in the Spending Flow chart • Updated Getting Started guidance to remove outdated references ### 1.0.3 — 2026-10-10 • Added extra security before linking a bank account (Face ID/Touch ID or authenticator app) • Added support for linking multiple accounts at once • Added a Reconnect option for banks that get disconnected, and fixed swipe-to-unlink • Improved bank connection reliability (duplicate connections, account names, sync after bank changes) • Fixed a bug that could block investment holdings from syncing • Updated Terms of Use and Privacy Policy ### 1.0.1 — 2026-10-02 • Reconnect a disconnected bank right from Net Worth. If a linked bank ever gets disconnected, you'll now see a clear "Reconnect" option instead of a sync error — and your existing transaction history stays intact, with nothing duplicated. • Fixed an issue where unlinking a bank from Net Worth didn't always fully disconnect it. • Added a clear agreement step for Terms of Use and Privacy Policy when creating an account. • General improvements and bug fixes. ### 1.0 — 2026-09-28 No release notes. --- *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 2026-10-24.*