Summa vs Billy Tracker

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

Billy Tracker makes it easy to keep your bills organized, stay ahead of due dates, and see what you owe at a glance. Track recurring and one-time bills, monitor payment status, review payment history, and keep household bill information organized in one simple place. FEATURES • Track recurring and one-time bills • View upcoming, pending, paid, and overdue bills • See total owed and total paid for the month • Record payments and review payment history • Organize bills with recognizable company logos or custom uploaded logos • Filter bills by type and status • View payment reports and monthly bill activity • Keep household bill information organized • Invite household members with Billy Premium • Use household messaging with Billy Premium • Restore Premium purchases through Apple FREE BILL TRACKING Billy Tracker includes a free tier that allows you to create and manage up to 4 personal bills. Sample bills provided for demonstration do not count toward your 4-bill free limit. BILLY PREMIUM Upgrade to Billy Premium for $2.99 per month to unlock: • Unlimited bill creation • Premium payment reports • Household invitations • Household messaging • Additional Premium features as available Subscriptions are purchased and managed through Apple’s App Store. If Billy Premium ends, your existing account data remains stored and accessible. Premium-only features are disabled until you renew or restore your subscription. Renewing with the same Billy Tracker account restores Premium access to your existing data. BUILT FOR CLARITY Billy Tracker is designed to work cleanly across iPhone, iPad, and desktop-sized screens, with responsive layouts that make your bill information easy to read wherever you use the app. Keep your bills organized. Stay ahead of due dates. Know what is coming next. Billy Tracker — simple bill tracking for a brighter tomorrow. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/