Summa vs Boring Expenses

Summa is the private budget planner and expense tracker that brings spending, bills, savings goals, investments, and net worth into one place, with an AI money assistant that answers with your real numbers. No ads, and we never sell your data. BUDGET PLANNER AND EXPENSE TRACKER Build a monthly budget in minutes with guided setup or suggestions from your own spending. Pace shows whether each category is on track, close to its limit, or over. Group categories, carry budgets forward, and leave one-off purchases out. TRACK SPENDING AUTOMATICALLY - Sync bank accounts and credit cards automatically (Pro+Connect, US and Canada) - Link Apple Card, Apple Cash, and Savings from Apple Wallet (US and UK) - Scan receipts: amount, merchant, date, and currency are read in 17 languages - Import bank statements with column detection, account matching, and duplicate checks - Review new transactions with a swipe, or add one by hand in seconds On-device machine learning categorizes transactions and learns from your corrections. Merchant names are cleaned up automatically, and renaming a merchant once updates every past and future transaction. YOUR AI MONEY ASSISTANT Ask Summa Personal Assistant about your money in plain language and get answers with charts from your own data. It can recategorize a batch or adjust a budget, and it always asks first, with undo. Everyday questions run on your device with Apple Intelligence; complex ones can use Apple's Private Cloud Compute. BUDGET TOGETHER Spaces is shared finance for couples and families. Split expenses and settle up, build a shared budget you can both edit, save toward joint goals, and see a household forecast. You choose exactly what your partner sees, and the financial data you share is end-to-end encrypted. BILLS, SUBSCRIPTIONS, AND ALERTS Summa finds recurring bills and subscriptions, tracks what is paid, due, and overdue, and reminds you before a payment lands. Nearly 40 alert types cover low balances, large purchases, price increases, and budget warnings, each one yours to switch on or off. FORECAST YOUR MONTH The Forecaster projects month-end spending on your device and simulates 1,000 outcomes to show the range your month could land in. NET WORTH, INVESTMENTS, AND DEBT Track net worth across accounts, portfolios, and holdings with daily market prices. Follow loans and mortgages with payoff charts, test extra payments, and watch your home equity build. SAVINGS GOALS AND FINANCIAL HEALTH Set savings goals, link an account or add money by hand, and watch each one fill to the finish line. Your Focus score rates your financial health from 12 factors, including on-time bills and card use. MADE FOR EVERY APPLE DEVICE Summa is built natively for iPhone, iPad, and Mac, and optimized for iPhone Duo, with Home Screen and Lock Screen widgets, Siri, and Spotlight search. Your data backs up automatically and restores on a new device. 17 languages, 75 currencies, dark mode, and color-blind friendly palettes. PRIVATE BY DESIGN - Categorization, receipt reading, and forecasting run on your device - The assistant uses Apple Intelligence or Apple's Private Cloud Compute, never a third-party AI service - Bank connections run through Plaid; your credentials never touch our servers - Receipt images are never uploaded - App lock with Face ID or Touch ID START FREE The Free plan includes unlimited accounts and transactions, budgets, labels, two savings goals, and five receipt scans a month. Try Summa Pro free for 1 month to unlock the AI assistant, forecasting, Focus, investments, net worth, widgets, and more. 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

Where does your money actually go? Boring Expenses shows you in seconds — a tiny, beautifully boring expense tracker that's 100% free, ad-free, private, and sign-up-free. Your data lives in your personal iCloud, end-to-end encrypted by Apple and invisible to us. JUST EXPENSES — NOTHING ELSE - No income tracking — total focus on spending - No multiple accounts — one number, the whole picture - No complicated budgets or category limits - No welcome screens or personal surveys - No bank connections — log each expense by hand, like a journal - No subscriptions, ads, trackers, or analytics - Apple-only — native look, feel, and animations WHY PEOPLE LOVE IT - Ready in the first second: no questionnaires, budget setup, paywalls, or registration - Truly free: no "premium" tiers, no nagging for donations - Private by design: expenses stay in encrypted iCloud, never shared - Works fully offline - Tiny and fast: opens instantly - No category caps: seeing your trends over weeks and months builds smarter habits on its own KEY FEATURES - One-tap expense entry: pick a category, type the amount — done - Beautiful interactive charts that update instantly — week, month, year - 100+ icons and colors to make categories your own - Quick filters by date and category - CSV export: pull your data into Excel or anywhere, anytime - Apple Watch app and Home Screen widgets - Full Dynamic Type and VoiceOver support - Light and dark themes with a true native iPhone feel START TODAY Download Boring Expenses and build smarter everyday spending habits — one tap at a time. Thanks for reading to the end — have a great day! Questions or ideas? Open Settings > Feedback to message the developer directly. Enjoying the app? A quick App Store review means the world.