Summa: Safe to Spend

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.

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