Summa vs Tuppence 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

Logging a spend should take three seconds. Tuppence opens the keypad, you tap the amount, pick a category, and you are done. No forms, no sign-in, no bank account to connect. WHAT IS LEFT, NOT WHAT YOU SPENT A budget answers one question. Tuppence shows it as the big number: what is left, today, on that limit. One overall budget, or one for each category. THE LEDGER, AND A SEARCH THAT LOOKS EVERYWHERE Every entry on its day, with the day's total. Search covers the whole archive, not just the month on screen: if a spend is there, you find it, even from three years ago. THE SPENDS THAT COME BACK The subscription, the rent, the gym. Set them once and they return on their own, weekly, monthly, yearly, or every so many days. Underneath you see what you are committed to each month, which is the real question when you wonder what to cancel. SAVINGS GOALS Set an amount and, if you want, a date. Tuppence does not tell you how much you have put aside: it tells you how much to put aside each month to get there. That is the only figure you can act on today. WHERE THE MONEY GOES The month split by category, next to the month before, and how it shifts over time. WIDGETS AND SIRI What is left this month on your Home Screen. A cash spend without opening the app. Your repeating expenses one tap away in the widget. YOUR DATA STAYS YOURS No accounts to connect, no ads, no tracking. Your data lives on your phone and, if you want, on iCloud across your devices. Export it whenever you like, and import a CSV from another app. TUPPENCE+ Adding, editing and deleting entries is free forever, and so are your history and the monthly summary. Tuppence+ adds budgets by category, recurring expenses, savings goals, statistics, widgets, sync and export. — Tuppence Premium subscription — • Free trial, then a weekly or yearly auto-renewing plan • 3 days on the weekly plan, 7 days on the yearly one • Price and duration are shown in the app before you buy • Recording expenses stays free, always Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://simonsruggi.github.io/app-policies/tuppence/PRIVACY