It proposes. You decide.
Every change Summa wants to make is shown first, applied only when you say so, and can be undone afterwards.
Propose · Approve · UndoSee clearly. Spend wisely.
Your money now hasan assistant.
Free to start · iPhone, iPad and Mac · 17 languages
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∑ Summa Personal Assistant
Ask about your money. In your own words.
Summa reads your accounts, budgets, transactions and forecast, and answers with your real numbers.
Private, on your device.
Everyday questions are answered on your device with Apple Intelligence. On iOS 27, complex ones go through Private Cloud Compute.
Apple IntelligenceWorks while you are away.
Between visits, Summa watches your money and leaves what it finds in one inbox: budget suggestions, newly detected recurring charges, and your alerts.
The inboxFour personalities.
Pick the voice you want to hear from: The Coach, The CFO, The Roastmaster or The Sage. The numbers are yours either way.
Your callFour voices
The Coach
The CFO
The Roastmaster
The Sage
Requires Summa Pro and a device with Apple Intelligence.
∑ Summa for Mac
A real Mac app. Included with your subscription.
Built for the Mac, not ported to it: a permanent sidebar, resizable windows, full keyboard control and menu bar commands throughout.
Made for the desk.
Lock it with Touch ID, scan a receipt with Continuity Camera, and move through everything from the keyboard.
Native macOSSumma for Mac is included with your subscription.
Keep it in the menu bar.
The menu bar panel syncs your accounts in the background and shows a compact overview without opening the window.
Menu barEvery transaction, in context.
On an iPad in landscape or on the Mac, open a transaction and the editor sits in the right pane with its story beneath it: your history with the merchant, where this amount sits among the others, and how it lands in your budget.
iPad and Mac∑ Ready for iOS 27
Ready for iOS 27, iPadOS 27 and macOS 27.
Summa 3.0 is built for this year's releases: Apple Wallet accounts, Siri and Spotlight, and Private Cloud Compute for the assistant's harder questions.
Apple Wallet accounts.
Link Apple Card, Apple Cash and Savings directly through FinanceKit. Balances and transactions import automatically, with no bank sign-in to maintain.
US and UK · iPhone and iPadAsk Siri. Search in Spotlight.
Your transactions, budgets and savings goals can be found in Spotlight and asked about with Siri, without opening Summa.
Siri · SpotlightPrivate Cloud Compute.
Everyday questions stay on your device with Apple Intelligence. On iOS 27, the complex ones are handled by Private Cloud Compute.
iOS 27Apple Wallet accounts are available in the United States and the United Kingdom, on iPhone and iPad.
Your command center. Clear and complete.
Six configurable modules. Each a clear view into a different part of your financial picture.
On-device health score with confidence level, actionable budget suggestions, natural-language queries, and monthly wellness archives for trend tracking.
Cumulative spending plotted against your ideal monthly pace. Budget rings summarize top categories, and an optional forecaster overlay projects end-of-month outcomes.
Toggle between net income, spending only, and income only across selectable time windows. Overlay a prior period for context and extend into forecast territory.
Target-date and monthly-contribution goals with real-time tracking, contribution logging, completion celebrations, and withdrawal handling.
Due-vs-paid monthly summaries alongside a future schedule view. Expense and income recurrings with smart transaction matching and frequency options.
Lot-aware positions with line and candlestick charts, real-time market quotes, gain/loss metrics, and multi-portfolio aggregation.
It all adds up. Capture everything.
Bank sync, receipt scan, statement import or a quick manual entry, and every dollar finds its place.
Link your banks through Plaid. Transactions sync automatically, institutions display with brand logos, and re-auth is seamless. In the US and UK, Apple Card, Apple Cash and Savings link directly on iPhone and iPad.
Capture paper or email receipts via camera. On-device OCR extracts merchant, amount, and date into a ready-to-save transaction.
Summa reads the data in every column, not just its header, and recognizes the exports of more than a hundred banks and cards in every language the app ships in. Imports stack into swipeable cards of six, newest first: swipe right to approve, left to save for later.
On-device intelligence assigns categories the instant a transaction lands. Custom rules and learned corrections make it smarter over time.
Day to day. Total clarity.
Living budget categories with rolling support, smart suggestions, and forecaster projections. Category drilldowns reveal every transaction. Suggested Groups drafts budget groups out of the categories you already use.
Every financial event in a searchable timeline. Filter by category, account, type, or date range. Bulk operations and deep links built in.
Net income, spending only, or income only: toggle between modes across any time window. Overlay prior periods for comparison. Weekly and monthly digests show the change: every category on one track, biggest change first.
Take it everywhere. Always in sync.
Summa lives on iPhone, iPad and Mac alike. Open an entry on one, finish it on another: every figure, budget and goal stays perfectly in step.
Your data. Beautifully isolated.
Privacy is not a feature. It is the craftsmanship behind every pixel. On your device by default, mirrored privately, shared only when you choose.
On-device intelligence
Categorization, the Focus score, budget suggestions and the assistant's everyday answers run on your device with Apple Intelligence. On iOS 27, only complex questions go to Private Cloud Compute.
Apple IntelligenceNo ads. No tracking.
No ads, no tracking SDK and no tracking prompt, because there is nothing to ask permission for. Summa has exactly one source of revenue: you.
No tracking SDKLocked and out of reach
Face ID or Touch ID on iPhone, iPad and Mac. Your bank credentials never touch our servers, and cloud sync is a private mirror of your on-device store.
Face ID · Touch IDSpaces, end-to-end encrypted
Spaces, end-to-end encryptedShare with a partner by scanning a QR code and choose exactly what they see. Everything shared is end-to-end encrypted, so our servers only ever see ciphertext.
E2E encrypted- No ads
- No tracking SDK
- Face ID / Touch ID
- AES-256 encryption
- End-to-end encrypted Spaces
- Credentials never on our servers
The full frame.
Every capability, meticulously crafted.
Choose your plan.
No surprises, no ads, no hidden fees. Just honest pricing for a tool built around you. Start a free trial and upgrade when you’re ready.
Take it for a spin
Explore a fully loaded Summa with realistic sample data. No account needed.
Try SummaFree
$0Unlimited accounts and transactions, budgets, labels and tags, two savings goals, five receipt scans and one statement import a month.
Pro
$4.17/mo$49.99/year, billed annually
Everything, including the assistant: receipt scans, imports, budgets, forecasts and Summa for Mac.
Automation
Pro+Connect
$6.67/mo$79.99/year, billed annually
Everything in Pro included
Automatic bank sync
Set it and forget it. Your transactions arrive automatically, categorized and ready to review.
Pro and Pro+Connect include a 1-month free trial · Cancel anytime
Prefer to pay once? Pro Lifetime is $124.99, forever.
iPhone, iPad and Mac included with every plan
The assistant needs Pro and a device with Apple Intelligence. Prices shown in USD.
Questions, answered
Everything you need to know about Summa: budgeting, bank sync, investing, privacy, and more.
Is Summa free to use?
Yes. Summa is free to download, and the Free plan lets you record your money without limits. Summa Pro adds the intelligence on top: the personal assistant, the forecaster, investments, net worth, widgets and Spaces, from $4.17 a month billed annually ($49.99 a year) or $6.99 monthly, with a one-month free trial. Pro Lifetime is a one-time $124.99.
What does the Free plan include?
Unlimited accounts and transactions, budgets, labels and tags, two savings goals, five receipt scans a month and one statement import a month, on iPhone, iPad and Mac. Recording your money is free; Pro adds the intelligence on top.
Is the assistant private?
Yes. Summa Personal Assistant answers everyday questions on your device with Apple Intelligence, and on iOS 27 sends only complex questions to Apple's Private Cloud Compute. It reads your accounts, budgets, transactions and forecast and answers with your real numbers. Every change it wants to make is proposed first, applied only when you approve, and can be undone. It requires Summa Pro and a device with Apple Intelligence.
Is the Mac app native?
Yes. Summa for Mac is a real native Mac app, not a Catalyst port, and it is included with your subscription. It has a permanent sidebar, resizable windows, full keyboard control and menu bar commands, a menu bar panel that syncs in the background and shows a compact overview, Touch ID lock and Continuity Camera for receipts.
Which devices does Summa support?
Summa is a native app for iPhone, iPad and Mac. One ledger stays in step across all three through a private cloud mirror of your on-device data, and Home Screen and Lock Screen widgets give you at-a-glance financial visibility.
How does automatic bank syncing work?
Summa connects to your bank through Plaid, the same secure service used by leading finance apps. The connection is read-only, your bank credentials are never seen or stored by Summa, and access tokens are kept on the server, never on your device. You can trigger a manual sync or disconnect any institution at any time.
Which countries have bank sync?
Automatic bank sync through Plaid is available in the United States with Pro+Connect. Everywhere else, Summa imports statements from more than a hundred banks and cards, reads receipts with the camera and takes manual entries in seconds. In the United States and United Kingdom, Apple Card, Apple Cash and Savings link directly on iPhone and iPad.
Which Apple Wallet accounts can I link?
Apple Card, Apple Cash and Savings, through Apple's FinanceKit. Balances and transactions import automatically with no bank sign-in to maintain. Apple Wallet accounts are available in the United States and the United Kingdom, on iPhone and iPad.
Is my financial data private and secure?
Privacy is foundational. There are no ads, no tracking SDK and no tracking prompt. Your data lives on your device, protected by Face ID or Touch ID, and cloud sync is a private mirror of that on-device store. Intelligence runs on your device, bank credentials never touch our servers, and Spaces sharing is end-to-end encrypted. You can export or erase your data whenever you want, and Summa never sells it.
Can Summa track my investments?
Yes. Summa offers lot-aware portfolio tracking with real-time market quotes, gain/loss and day-change metrics, and candlestick or line charts. Search for ticker symbols, add holdings, and roll multiple portfolios into a single view.
Does Summa do budgeting and forecasting?
Yes. Create budgets with a guided setup, carry unspent amounts forward with rolling budgets, and accept smart suggestions based on your spending. The forecaster projects future category spending so you can see where the month is heading before it arrives.
Can I import data from another app or my bank?
Yes. Summa reads the data in every column of a statement, not just its header, and recognizes the exports of more than a hundred banks and cards in every language the app ships in. Imported transactions stack into swipeable cards of six, newest first: swipe right to approve, left to save for later. You can also capture receipts with the camera, and export your transactions as CSV anytime.
Can my partner or family share finances in Summa?
Yes. Spaces opens a secure window into your finances for a partner, a family member or an advisor. Connect by scanning a QR code and choose exactly what they can see. Everything you share is end-to-end encrypted, so our servers only ever see ciphertext.
Does Summa track bills, recurring payments, and net worth?
Yes. Track bills and subscriptions with due-vs-paid summaries and future scheduling, log recurring income, and watch your net worth update as Summa sums your assets and subtracts your liabilities across every account type.
See clearly.
Spend wisely.
Your money now has an assistant. Private by design, on iPhone, iPad and Mac.
Free to start · Pro from $4.17/mo · Lifetime available