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No. Sumwright plans your payments and then confirms them from your bank transactions — you make each payment yourself, directly with your bank. Its access through Plaid is read-only, and it has no ability to move funds.

Start your trial in the iOS or Android app. You get full access for 7 days; it then converts to the plan you chose unless you cancel first. Cancel before day 7 and you’re never charged.

Bank connections are read-only through Plaid, and you enter your bank credentials directly into Plaid — Sumwright never sees them. Your data is encrypted in transit and at rest, the bank access tokens are additionally encrypted with a managed key service (AWS KMS), and every user is isolated with database row-level security. Multi-factor authentication is required before you connect a bank.

To connect a bank, Sumwright asks you to enroll a time-based one-time-passcode (TOTP) authenticator — Google Authenticator, Microsoft Authenticator, Authy, or 1Password. This multi-factor step protects the most sensitive action in the app. On the same phone, tap “Open in authenticator app”; on a second device, scan the QR code; or enter the key by hand.

Yes — the Bills / Income tab shows your recurring bills and income, each with its due date and status. Sumwright watches your linked accounts and marks a planned bill as paid once it sees the matching payment in your transactions, and can notify you as bills come due.

Yes. The Bills / Income hub has a List ⇄ Calendar toggle. The calendar shows a month at a glance — income in green, bills and subscriptions in amber and blue — with today highlighted; tap any day to see exactly what lands on it. It’s available on the phone and desktop apps.

Yes. Once you’re signed in, App Lock hides your financial data behind your device security every time you switch away or reopen the app — you verify with Face ID, a fingerprint, or your passcode on the phone, and Windows Hello (or your password) on the desktop. It’s on automatically whenever your device has biometrics or a passcode set up.

Today, Sumwright supports US bank accounts in US dollars. It’s built from the ground up to handle money in different currencies safely — it will never silently mix currencies into a total it can’t stand behind — but adding non-USD accounts isn’t available yet.

Yes. From Settings you can invite a partner to a shared household, so you both see the same accounts, bills, and plan.

Yes. Scan a receipt and AI reads the merchant, total, tax, and line items; you can add a tip and split the bill, tag it business/personal/project, and save it to the Receipts Vault. Sumwright then matches it to the real charge on your statement. You can also import a statement to pull out its transactions. See our Privacy Policy for how images are processed.

On the phone, yes — tap “Quick scan a receipt” right on the lock screen to capture, tip, split, and save a receipt without opening the full app. The rest of your financial data stays locked.

Yes. One subscription unlocks every device — iPhone, Android, Mac, Windows, and the web. Your plan and data sync through your account, so you can pick up where you left off.

You can delete your account from within the app. This disconnects your banks at Plaid and deletes your personal data (including any saved receipt images) within 30 days, except where the law requires us to keep something. Note that deleting your account does not cancel a subscription — cancel that separately first.

Right here on the web: $89.99/year or $164.99 for two years. The monthly plan in the app stores includes their surcharge.

Mobile subscriptions are canceled from your Apple or Google account; web subscriptions from your billing portal or by emailing us. You keep access through the period you’ve already paid for.

Most U.S. banks and credit cards, connected securely through Plaid.