Summa vs TipStream

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

TipStream — Tip & Shift Tracker Know exactly what you make. Log a shift in seconds, see your week at a glance, and hit your income goals in a clean, simple app. No ads. No account. 100% offline — your income data never leaves your phone. WHY TIPSTREAM - Log a full shift in under ten seconds with a keypad built for speed - A calendar that colors your week or month by how much you made, so your biggest days stand out instantly - Clean analytics: hourly average, daily average, and where your money actually comes from - A home-screen widget with your week's total and elegant tip cards - Set income goals and watch them fill in, shift by shift - A gorgeous dark mode, made for closing time BUILT FOR TIPPED WORKERS Servers, bartenders, baristas, casino dealers, stylists, barbers, valets, nail techs, delivery drivers — if you earn tips, TipStream is built for you. TRACK WHAT MATTERS - Cash tips, credit tips, and tip-outs: see what you actually keep - Hours worked and hourly rate, every shift - Day, Swing, and Graveyard shift types - Sections per job (Main Floor, High Limit, VIP, however your room is split) - Notes on any shift YOUR DATA IS YOURS - Works fully offline, no internet required - No account, no email, no login - Free CSV backup: export and import your data anytime - Nothing is collected. Nothing is shared. Ever. TIPSTREAM PRO (optional) Go further with Pro: - Track up to 5 jobs and roles, each with its own colors, sections, and goals - Daily goals that adapt: set different targets for different sections and days of the week - Monthly goals, plus custom savings targets for the big stuff - Advanced analytics that compare your earnings across dates, jobs, and sections - Instant note search: type "holiday" or "slow" and find that shift from months ago - Income reports: export a clean PDF summary of your earnings to share, print, or back up Monthly, annual, or a one-time lifetime purchase. The core tracker is free forever — and there are never any ads. Stop guessing what you made. Know your numbers — and keep them to yourself. Made by one person who's worked these shifts, not a company that sees you as a user. No ads, no investors, nobody buying your data — just an app I wanted to exist. Privacy Policy: https://tip-stream.com/privacy Terms of Use: https://tip-stream.com/terms