Summa vs Nettly

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

Nettly is a beautiful budget calendar that helps you see exactly where your money goes day by day, month by month, and year by year. Unlike traditional budgeting apps, Nettly puts your income and expenses directly on a calendar so you can quickly spot patterns, plan ahead, and stay on top of your finances. FEATURES CALENDAR VIEW See your income and expenses laid out on a monthly calendar. Tap any day to view a full breakdown of what came in and what went out. YEAR AT A GLANCE Switch to the Year tab to see monthly totals and a bar chart for the full year, making it easy to spot your best and worst months. MULTIPLE BUDGET CALENDARS Create separate budget calendars for different purposes, such as personal spending, household bills, side income, and more. Each calendar can have its own color and icon. RECURRING ENTRIES Set up weekly, bi-weekly, or monthly recurring entries so your regular bills and income are automatically accounted for. END-OF-MONTH ENTRIES Monthly entries can be pinned to the last day of every month, perfect for month-end bills, whether the month has 28, 29, 30, or 31 days. SHARED CALENDARS Invite a partner or family member to a shared budget calendar using a simple invite code. Everyone stays in sync in real time. SEARCH ENTRIES Find entries by entering the subject, amount, or note associated with the entry. SAVINGS GOALS Set a saving goal for any calendar and track your progress with a live progress bar. EXPORT TO CSV Export your entries to a CSV file and open them in Excel, Numbers, or another spreadsheet app for deeper analysis. DARK AND LIGHT MODE Nettly fully supports both dark and light themes and can automatically match your device preference. EXPENSE REMINDERS Set a daily reminder so you never forget to log your spending. Download Nettly today and start seeing your finances more clearly.