Everything Sumwright does for you.
Link your accounts once. Sumwright builds the plan, protects your cushion, and shows you the exact moves that save you the most — then proves it against the competition.
Your whole financial picture
Every debt, sorted
Mortgages, car and student loans, store cards and credit cards are recognised and grouped — and you can change any of them with one tap.
Pay-later is debt
Klarna, Afterpay and PayPal Pay in 4 plans are added to your debts automatically, with what’s left to pay.
Retirement accounts
Link a 401(k), IRA or brokerage with the Investment & retirement accounts add-on. It counts toward net worth, never toward paying debt.
Business, Personal, Project
Tag transactions, vendors or whole accounts, then hand your accountant one spreadsheet plus receipts with the CPA Export Bundle.
Three engines, one unified plan
AI Debt Avalanche & Snowball
Sumwright models every payoff path and hammers your highest-APR balance first — or your smallest, for the quick win. It shows your exact debt-free date, every dollar of interest you avoid, and exactly what to pay each month.
AI Vendor Categorization
Every transaction is re-read by AI — catching disguised subscriptions, gray charges, and miscategorized income so your cash-flow picture is finally accurate.
Bill Planning + Liquidity Guardrail
Plan a payment and Sumwright checks it against your safety cushion first — flagging anything that would leave you short before you make it. You pay; we keep you from overdrafting.
One subscription. Every device.
Buy once and Sumwright unlocks across iPhone, Android, Mac, Windows, and the web — instantly, in sync, through one secure account.
Stop guessing. Start planning.
Sumwright reads your actual spending and tells you what’s coming — card cycles, utilities, subscription renewals — before it lands on a statement, while you still have room to move.
Unified visibility
Every predicted bill in one place, alongside your renewals — instead of three apps and a guess.
Predictive, not psychic
We forecast from your real payment patterns — the merchants you actually pay, on the cadence you actually pay them. Estimates, clearly labeled as estimates.
We’d rather say “we don’t know”
If we can’t stand behind a number, we won’t show it to you. Most finance apps quietly round the difference. We leave it out and tell you why.
Forecasts are estimates based on your transaction history, not guaranteed payment dates. Always check your official statements. US bank accounts, USD. How is this predicted?
The everyday details, handled.
Private by default, organized on a calendar, and quick enough to use at the table.
App Lock on every device
Your financial data hides behind Face ID, a fingerprint, or Windows Hello the moment you switch away — and unlocks only when you say so. Nothing to set up; it uses your device’s own security.
Bills on a calendar
Flip the Bills / Income hub to a month view: income, bills, and renewals laid out by day, today highlighted — tap any date to see exactly what lands on it.
Scan, tip, split, done
Photograph a receipt and AI reads every line. Add a tip, split the bill, and file it — even straight from the lock screen — and Sumwright matches it to the real charge on your statement.
Tracking is table stakes. Planning isn’t.
| Capability | Typical tracking apps | Sumwright |
|---|---|---|
| Expense & budget tracking | ||
| Subscription detection | ||
| AI debt avalanche & snowball payoff planning | ||
| Bill tracking that confirms payment from your real transactions | ||
| Statement import with automatic data extraction | ||
| Receipt scanning with automatic transaction matching | ||
| Native on iOS, Android, Mac, Windows & Web |
General comparison with common budgeting and expense-tracking apps as of 2026; features vary by app.
Your money deserves more than a dashboard.
256-bit encryption
Encrypted in transit and at rest — end to end.
Read-only bank links
Connected via Plaid. Sumwright analyzes; it never has standing authority.
MFA-protected access
Multi-factor authentication is required before you connect a bank, and bank access tokens are encrypted at rest with a managed key service (AWS KMS).
Per-user isolation
Row-level security at the database — your data is yours alone.