TrueSummit is a budget app built around one idea: when every dollar has a job, money stops being stressful. Inspired by envelope budgeting — the method that has helped millions get out of debt and build real savings — TrueSummit gives your money a destination before you spend it. Not after. BUDGET Give every dollar a job the moment it arrives. Organize spending into categories and groups that match your actual life. The Safe to Spend tile shows what's genuinely free to spend right now — not what's sitting in your bank account. Set monthly targets, carry unused funds forward with rollover, and draft a new budget from your own spending history in seconds. YOUR PEAKS — SAVINGS GOALS Every big goal starts with a single step. Your Peaks turns savings goals into climbs worth tracking: Japan trip, down payment, new guitar, emergency fund. Set a target, assign funds each month, and watch the progress bar climb toward the summit. TRANSACTIONS Every purchase, in one stream. Log by hand, snap a receipt with your camera, or import CSVs from Mint, YNAB, or Monarch. Connect a bank through Plaid and let transactions arrive automatically — or import Apple Card, Apple Cash, and Apple Savings straight from Apple Wallet, entirely on device. Split purchases across categories, track expected refunds, and turn any merchant into a one-tap auto-categorization rule. Smart Alerts flag overspending and unusual charges, and the subscription tracker surfaces every recurring bill so nothing slips by. HORIZON See what's coming before it arrives. The cash-flow forecast projects your balances weeks ahead around scheduled bills and paychecks. The What-If Simulator lets you test a raise, a big purchase, or a new rent payment before it happens. NET WORTH Your whole financial picture in one place: checking, savings, investments, and debts. Watch the trend line climb over time. Run a debt payoff plan and compare avalanche vs. snowball to find your debt-free date. REPORTS Spending breakdowns by category and merchant. Compare any two time periods side by side. Export to CSV or PDF, or generate a year-end tax summary at filing time. INSIGHTS On-device AI (Apple Intelligence) spots spending trends and flags anomalies — privately, without sending data anywhere. The Weekly Review is a five-minute check-in ritual, with a streak to keep alive. Savings challenges and a Wrapped-style year-in-review keep the momentum going. BUILT FOR YOUR DEVICE • Apple Watch companion with spending glance and quick-log • Home Screen and Lock Screen widgets • iPad sidebar layout • Face ID / Touch ID app lock • Dark design that's easy on the eyes, day or night PRIVACY FIRST On-device AI. Bank connections via Plaid with credentials that never touch TrueSummit's servers. Apple Wallet data (Apple Card, Cash, and Savings) is imported on your device only — never uploaded or shared. Export or erase everything you've ever entered. You own your data. SYNC AND SHARE Sign in to back up your budget to the cloud, and share a single budget with a partner or spouse. Both people see the same categories, balances, and goals in real time. PLANS Start with a free 30-day trial of TrueSummit Pro — bank linking, cloud sync, cash-flow forecasting, and reports. Keep going with a subscription: • Pro — connect your accounts, sync across devices, and plan ahead. • Premium — everything in Pro, plus receipt scanning, family sharing, AI Insights, investment and liability tracking, report and tax export, auto-categorization rules, Smart Alerts, a full year of cash-flow forecasting, and more. Questions or feedback? We read every message at support@truesummitapp.com
Finance · iPhone, iPad, Android · Free
