Summa vs Expense 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

Take control of your finances with Luca, a beautifully simple expense tracker designed to make managing your expenses effortless. Whether you're tracking daily spending, setting monthly budgets, or keeping an eye on recurring bills, Luca gives you a clear picture of your finances in seconds. Track Your Spending Log expenses quickly and see exactly where your money goes. Organize by category with beautiful visual breakdowns that make your spending habits clear. Speak To Add Add expenses with your voice using built in AI. Just describe your transaction and Luca handles the rest, no typing, no hassle. Stay On Budget Set monthly budgets and get notified before you overspend. Luca keeps you accountable with reminders so you never lose track. Set & Forget Set up recurring expenses once and forget about them. Subscriptions, rent, utilities, Luca reminds you & logs them automatically so nothing slips through the cracks. Organize Your Spending Create distinct categories to organize every dollar. See at a glance how much goes to food, car, entertainment, and more with a colorful pie chart. Multiple Account Types Manage different financial goals all in one place. Create personal and business accounts to separate your spending, savings accounts to track progress toward a goal, or debt accounts to stay on top of what you owe. Each account gets its own dashboard, insights, and AI chat tailored to your needs. More to love: • Clean, minimal design that's a joy to use • Income tracking and balance overview • Monthly summaries and spending insights • Export your expense reports as PDF or CSV • iCloud sync across all your devices • No ads, ever Download Luca today and take full control of your finances Here's what you should know about auto-renewing subscriptions: – If you choose to purchase a monthly or yearly subscription, you will have unlimited access to all features or any future features. – Subscriptions renew automatically unless you cancel at least 24 hours before the end of the current subscription period without any limitations. – Auto-renewal can be canceled at any time by going to your settings in the App Store after the purchase. Privacy Policy: https://www.crispyappsllc.com/privacy Terms of Use: https://www.crispyappsllc.com/terms