SUM+= Simple Expense Tracker vs Kakeibo Style

There are hundreds of expense tracker apps and they all do more or less the same thing. But oddly enough, not a single one suited my needs, so I developed my own. Through small but targeted adjustments, I've developed the app to become my preferred solution: • Control stays with the user while data entry is greatly simplified: The time between "open app" and "entry saved" has been reduced to a minimum. AI can support this process so that in many cases you wouldn't even need to open the app • AI analysis through LLMs: Instead of developing custom analysis logic, the app prepares your data so it can be used directly in Large Language Models like ChatGPT or Claude: for analysis, forecasts and recommendations • Minimalist design: The app is designed to look beautiful and works without distracting extras • Full control & privacy: No login, no account. Data stays locally on your device. You have complete control over your own database. If you want to share your data with an AI, you decide that yourself Financial barriers shouldn't stand in the way of your personal financial planning with Sum. Contact us for individual solutions via the support form. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Kakeibo (家計簿) — meaning "household financial ledger" — is a budgeting method created by Japanese journalist Hani Motoko in 1904. Rather than just tracking what you spend, it asks you to pause and reflect on why you spend. How it works: Every expense is sorted into one of four pillars: - Needs (必要) — essentials like rent, groceries, and bills - Wants (欲しい) — enjoyable but non-essential purchases - Culture (文化) — books, courses, music, and enrichment - Unexpected (予想外) — repairs, medical costs, and surprises At the start of each month, set your income and savings goal. As you spend, Kakeibo shows how your money flows across the four pillars. At the end of the month, reflect on what went well and what you can improve. Features: - Multiple income sources - Fixed costs with categories and month-to-month import - Visual budget bar showing savings, spending, and what's left - Search across all months - Monthly reflection with guided questions - Multi-currency support - Rename and organise expense categories Private by design All your data stays on your device. No accounts, no cloud sync, no analytics. The only network request is loading fonts on first launch. After that, Kakeibo works fully offline. Small, consistent acts of awareness lead to lasting change.