Pace vs Summa

Pace is a budget planner and expense tracker that helps you see whether your spending is on track for the month. Instead of only showing what you already spent, Pace compares your spending progress with the time left in your budget cycle, so you can tell when you're spending too fast and adjust before you go over budget. FEATURES • Track expenses quickly and clearly • Set a monthly budget • See how much budget is left • Compare spending progress with time progress • Stay aware of recurring bills and subscriptions • Review spending by category, week, and month • Look back at past budget cycles and summaries WHY PACE Most budgeting apps tell you what happened. Pace helps you understand where you stand right now. It shows not just how much you've spent, but whether that spending still makes sense for this point in the month. That makes it easier to answer questions like: Am I still on track this month? How much can I safely spend? Are upcoming bills going to make the rest of the month tighter? Is overspending becoming a pattern? Pace is designed to make personal budgeting feel clearer, more visual, and easier to understand at a glance. Pace is free to download and get started.

Complex financial planning, distilled into one simple number. Many budgeting apps overwhelm users with information that's hard to draw real guidance from. Others lack the flexibility to adapt to a wide range of financial goals. Summa builds a dynamic plan tailored to your specific financial situation and distills that complex picture into one simple but powerful number: your Safe to Spend. Your Safe to Spend tells you exactly how much you can spend today without falling behind on your financial goals. It accounts for your essentials (rent or mortgage, groceries, transportation), debt payments, savings, investments, and a buffer for surprises. Set your priorities, then spend with confidence. PLAN EVERY FINANCIAL GOAL TOGETHER • Savings goals: emergency fund, vacation, home down payment, and anything else you're saving for • Debt payoff: tackle your student loans, consumer debt, or credit card debt • Retirement: build up your nest egg for the future • Net worth: see your full financial picture across cash, investments, real estate, crypto, and outstanding debts Goals live on one clear dashboard with a "what comes first" priority order. As you log contributions toward them, they recalculate automatically so you always know what's needed to complete each one on time. TRACK SPENDING WITHOUT JUDGMENT Run spending scenarios to see the impact before you spend. Log spending in seconds when you do, and watch your Safe to Spend update instantly. View your history across months to spot patterns. Summa gives you insight without scolding you. CONFIDENT PLANNING, NOT WISHFUL THINKING Every plan gets a Plan Confidence score so you know how much to trust the projections. If your inputs are incomplete, the app shows you exactly what to fill in to raise it. YOUR DATA STAYS YOURS Summa has no ads, no servers, no cloud sync, and no data sharing. Your income, expenses, goals, and spending history live only on your phone. Apple handles subscription payments directly; we never see your card. FREE TIER • 1 savings goal • 1 debt payoff goal • Up to 3 accounts of any type • Safe to Spend, Plan Confidence score, and simple insights • Basic spending scenarios ("What if I spend $80 on dinner?") PREMIUM ($6.99/month or $59.99/year, with a 1-month free trial on annual) • Unlimited goals and accounts • Goal forecasts, milestone tracking, and "what if" scenarios to see the impact of contributing more or less each month • Custom spending scenarios to save and compare (e.g. "full holiday shopping list" or "all-in cost of a vacation") • Multi-month spending history with trends and over-budget tracking • Predictive insights and month-end coaching NOT FINANCIAL ADVICE Summa is a personal planning tool, not a financial advisor. Information and projections are estimates based on what you enter. Consult a qualified professional before making major financial decisions. QUESTIONS OR FEEDBACK Email support.summa.app@gmail.com. We read everything. Terms of Use (EULA): https://yungwhitley.github.io/summa-docs/terms.html Privacy Policy: https://yungwhitley.github.io/summa-docs/privacy.html