Ledger vs Summa

Ledger is a private household finance app for people who want a clearer view of net worth, cash flow, and major money decisions without connecting bank accounts. Track your balance sheet, log monthly cash flow, understand your burn rate, and model important financial scenarios from one clean iPhone app. No bank login. No financial-data APIs. No automated account scraping. Ledger is designed for manual entry, local-first tracking, and privacy-conscious households that want control over their financial picture. BUILD YOUR PRIVATE BALANCE SHEET Ledger helps you track assets and liabilities in one place so you can see your current net worth clearly. Add accounts such as: • Brokerage accounts • Retirement accounts • Cash and savings • Real estate • Business equity • Crypto holdings • Mortgages • Loans • Credit card balances • Custom assets and liabilities Ledger calculates your assets, liabilities, and net worth so you can understand where you stand at a glance. TRACK CASH FLOW LIKE A HOUSEHOLD CFO High-income households often have strong earnings but complicated spending, taxes, savings, and lifestyle decisions. Ledger’s Plan workspace helps you log monthly cash-flow data manually, including: • Income • Taxes • Fixed spending • Variable spending • Savings • Notes for each month From there, Ledger shows practical metrics like: • Burn rate • Savings rate • Investable surplus • 3-month averages • 12-month averages This gives you a clearer view of how much money is actually available after taxes and spending. PLAN MAJOR FINANCIAL DECISIONS Use Ledger’s scenario planner to model decisions before they happen. Create scenarios for: • Taking a sabbatical • One spouse stepping back from work • Buying a bigger home • Allocating a bonus or windfall • Testing a custom financial decision Ledger helps estimate how each decision may affect annual savings, runway, target timing, and required net worth. SAVE SNAPSHOTS OVER TIME Your financial life changes month by month. Ledger lets you save net-worth snapshots so you can track progress over time. Use snapshots to: • Compare current net worth to previous periods • Build a historical record • See changes across time ranges • Track milestones as your balance sheet grows REPORTS AND EXPORTS Ledger includes reports that help you review your financial picture and share records when needed. Reports can include: • Net worth summary • Asset and liability breakdowns • Cash-flow summary • Year-over-year views • Milestones • PDF export • CSV cash-flow export PRIVACY-FIRST BY DESIGN Ledger is made for people who want financial clarity without handing over account credentials. Ledger does not require: • Bank linking • Plaid-style account aggregation • Financial-data APIs • Automated transaction imports You enter only the information you want to track. A built-in privacy mode can mask sensitive values on screen, which is useful when opening the app around other people or recording your own progress. WHO LEDGER IS FOR Ledger is built for households and individuals who want a simple, private way to answer questions like: • What is our current net worth? • How much are we really spending each month? • What is our burn rate? • What percentage of income are we saving? • How much investable surplus do we have? • Can we afford a sabbatical, home upgrade, or income change? • Are we moving closer to our financial targets? SUBSCRIPTION REQUIRED Ledger is a premium app. Access to the main app experience requires an active subscription after onboarding. If offered, subscription pricing, trial availability, and renewal terms are shown clearly at checkout before purchase. Take control of your household financial picture with a private, manual-first system built for clarity, planning, and better decisions. https://socialreporthq.com/ledger/terms

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