Summo vs 3s Kakeibo

Summo makes personal finance simple. Track your spending, manage budgets, and stay on top of credit card payments — all synced across your devices with iCloud. TRACK EVERYTHING • Record income, expenses, and transfers in seconds • Organize with categories, tags, and remarks • Support for multiple accounts and currencies • Recurring transactions auto-generated on schedule CREDIT CARD MANAGEMENT • Payment reminders with due date countdown • Statement-based balance tracking • Credit limit usage warnings BUDGETS THAT WORK • Set monthly budgets per category • Visual progress bars with overspend alerts • Rollover unused budget to next month INSIGHTS AT A GLANCE • Monthly summary with income, expense, and balance • Category breakdown with pie charts • Daily spending trends and monthly comparisons • Drill into any category for weekly/daily detail APPLE PAY AUTO-TRACKING • Automatically log Apple Pay transactions via Shortcuts • Smart merchant recognition and category mapping • Review and approve new merchants HOUSEHOLD SHARING • Share finances with family members via iCloud • Each member tracks their own spending • Combined household view BUILT FOR PRIVACY • All data stored in your personal iCloud — we never see it MORE FEATURES • iCloud sync across iPhone and iPad • CSV export for spreadsheets • Dark mode support • Available in English, Chinese, Japanese, and Korean Terms of use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

The number one reason expense trackers fail? You forget to log. 3s Kakeibo shrinks the distance to zero. Log an expense right from where you are — no app launch required: • Home Screen widget: tap a smart preset amount, done (interactive, iOS 17) • Lock Screen widget: see this month's total, tap to log • Action Button & Siri: just say "log with 3s Kakeibo" • Control Center (iOS 18): one swipe, one tap INSIDE THE APP, 3 SECONDS FLAT The keypad is ready the moment the app opens, your last category is pre-selected, and four preset amounts re-order themselves by how often you use them. Mis-tapped? Undo within 10 seconds. NO PAYWALL, NO TRIAL LIMITS • Unlimited history: view and edit every record you ever logged • Monthly reports: category breakdown, month-over-month, daily average • Up to 8 ledgers and custom categories (up to 24) • Full-history CSV export ADS, AND HOW TO REMOVE THEM A banner sits at the bottom of the History and Report tabs — never on the entry, editing or settings screens, and never while the keyboard is up. One optional one-time purchase, "Remove Ads", makes it disappear for good. It unlocks nothing else, because nothing else is locked. PRIVATE BY DESIGN Your records never leave your device. No accounts, no bank linking, and no analytics. The app works fully offline. Figures shown are informational, based on your own records — not financial advice.