Safe to spend
Start with the balances you include, then reserve upcoming bills, goal contributions, and remaining budget commitments to estimate what is available.
FeaturesA complete money toolkit.
A complete money toolkit.
Still entirely yours.
From detailed transactions to safe-to-spend planning and a private monthly review, Sumstead turns everyday tracking into a clearer view of what comes next.
The latest additionsBuilt for the decisions
Built for the decisions
between transactions.
The newest tools work together: scheduled activity informs your safe-to-spend estimate, richer records improve your reports, and automation handles the repetitive parts.
Upcoming activity
Look ahead to scheduled income, expenses, subscriptions, and transfers. Recurring items can post automatically or wait for your approval.
Splits, tags & matches
Allocate a purchase across categories, organize it with tags, and connect refunds back to the original spending for cleaner totals.
Account reconciliation
Work through a statement, mark matching activity as cleared, and finish with a visible adjustment only when the recorded balance needs one.
Rules & templates
Apply repeatable actions from transaction conditions and reuse complete budget setups instead of rebuilding them month by month.
Monthly reviews
Revisit income, spending, category changes, budgets, goals, subscriptions, and net-worth movement in a durable month-end summary.
TrackEveryday money,
Everyday money,
modeled correctly.
Sumstead is more than a spending list. Its balanced ledger and exact minor-unit math keep transfers, splits, refunds, opening balances, and account totals consistent.
Four transaction types
Record expenses, earned money, refunds, and transfers with the right behavior for each.
Flexible splits
Divide one transaction across multiple categories while preserving the exact total.
Tags that travel
Add reusable tags, then keep them through search, CSV transfer, encrypted backup, and optional iCloud Sync.
Flexible accounts
Track cash, checking, savings, credit, asset, and liability accounts in one base currency.
Statement reconciliation
Clear activity against a real statement and keep any balancing adjustment explicit in the ledger.
Find anything
Search and filter locally by account, category, tag, merchant, date, and transaction type.
PlanForward-looking,
Forward-looking,
not restrictive.
Build a plan that changes with real life. The free core covers everyday budgets and upcoming context; Premium adds deeper automation and reusable planning.
Safe-to-spend estimate
Understand what remains after the commitments already represented in your own plan.
Upcoming commitments
See scheduled paychecks, bills, subscriptions, transfers, and goal contributions before they arrive.
Budgets
Set overall or category budgets and follow clear remaining and progress views.
Budget templates
Save a complete group of category limits and apply it again when a new budget period begins.
Recurring with control
Schedule repeating activity, choose automatic or approval-first creation, catch up missed dates, and use local reminders.
Goals that make a plan
Track progress from a real account balance and schedule the monthly transfer needed to meet a target date.
AutomateTeach the routine.
Teach the routine.
Keep the final say.
Automation stays understandable and local. You can see what a rule will do, review approval-first activity, and change or disable the setup whenever you want.
Transaction rules
Match merchant, amount, account, or transaction type, then apply categories, accounts, normalized merchant names, or tags.
Merchant suggestions
Turn familiar merchant names into on-device category suggestions that remain easy to review and change.
Your home, your order
Reorder or hide home cards for safe to spend, upcoming activity, goals, monthly summaries, accounts, budgets, and recent entries.
UnderstandInsight that never
Insight that never
needs to upload.
Cash-flow summaries, month-end reviews, category breakdowns, trends, and comparisons are calculated locally from your own device.
Cash flow
Compare earned and spent, then see net change and daily averages for the selected period.
Top categories
See where spending concentrates without sending merchant or transaction data away.
Monthly reviews
Keep a month-by-month record of cash flow, category changes, budgets, goals, subscriptions, and net-worth movement.
Spending signals
Spot unusual category pace, rising subscriptions, and possible low balances from patterns calculated on device.
Merchant patterns
See where repeated purchases add up and open the underlying activity when you want the detail.
Advanced reports
Use longer and custom periods, deeper history, comparisons, and locally generated PDF reports.
Keep & protectReceipts, security,
Receipts, security,
and a way out.
Your records are useful only if they remain accessible on your terms. Sumstead protects local data, lets you hide especially sensitive accounts, and keeps transfer tools available.
On-device receipt OCR
Capture documents or import photos, then confirm merchant, date, total, tax, account, and category before saving.
Protected accounts
Keep selected accounts out of totals, forecasts, reviews, widgets, exports, search, and shortcuts until you reveal them for the session.
Native security
Use device-owner authentication, privacy curtains, and protected storage for sensitive actions and files.
Portable for everyone
CSV import and export plus password-protected encrypted backup and restore remain part of the free core.
Optional private sync
Choose encrypted iCloud Sync for your own Apple devices. It stays off until you enable it.
Shortcuts & quick actions
Add transactions and open key views from supported Apple system surfaces without a Sumstead account.
No account required
Keep the full picture close.
Sumstead is being prepared for its first iPhone, iPad, and Mac release.