Take control of your financial future. Sum is the all-in-one personal finance tracker built for those who are serious about building wealth.
Developed by 1776 Capital Management LLC, Sum gives you a clear, real-time picture of where you stand financially — and a roadmap to where you want to go.

📊 Net Worth Tracking
Get a complete picture of your financial life. Add checking accounts, savings, brokerage accounts, 401(k)s, crypto, vehicles, and any other asset. Liabilities like credit cards and loans are tracked automatically. Real estate equity is calculated separately and folded into your total net worth. Your net worth updates in real time as you update balances.

🏦 Smart Account Management
Create named accounts and update their balances over time — without creating duplicate entries that distort your net worth. Choose from 20+ pre-defined account types with automatic icon matching.

💰 Budget vs. Actual Tracking
Set monthly spending limits by category and see exactly how you're tracking — with color-coded progress bars, over-budget alerts, and a 6-month trend chart showing your spending history per category.

🌊 Cashflow Sankey Diagram
Visualize where your money goes each month. See all recurring income sources flowing into a total, then fanning out to each individual expense. Tap any node for a detailed breakdown including monthly amount and percentage of income.

🔥 FIRE Calculator
Find out when you can retire. The interactive FIRE calculator seeds from your real financial data and lets you adjust your age, savings, income, spending, and withdrawal rate. See your projected retirement date update live.

📈 Net Worth Over Time
An interactive line chart shows your net worth history. Tap or drag to inspect any data point — a tooltip shows the exact date and value.

💳 Debt Payoff Planner
Add your credit cards and loans with their balances, APR, and minimum payments. Choose between the Snowball method (lowest balance first) or the Avalanche method (highest interest first). See your projected debt-free date, total interest paid, and how much you save vs. paying minimums only.

🏠 Real Estate Tracking
Add your properties with mortgage balance and purchase price. Premium subscribers can fetch automated property value estimates updated monthly. Property equity is automatically included in your net worth.

📥 CSV Import & Export
Bulk import transactions from your bank — Sum detects columns automatically with intelligent date, amount, and category detection. Export all your data as a structured CSV at any time.

🎯 Goals & Budgets
Set net worth targets with a deadline and track your progress. Set spending limits by category to keep your budget on track.

🏅 Financial Health Score
A 0–100 score built from four factors: Debt-to-Asset ratio, Financial Runway, Savings Rate, and FIRE Progress. Tap the score to see a detailed factor breakdown.

🌍 Peer Benchmarking
See how your net worth compares to people your age in your country. Data sourced from Federal Reserve, ONS, Statistics Canada, ABS, and Eurostat. Available for US, UK, Canada, Australia, and Germany.

🔐 Secure & Private
Your data is stored securely in Firebase. Choose "Remember me" to stay signed in, or require sign-in after 1 hour of inactivity. We never sell your data.

⭐ Sum Premium
Remove all banner ads with a one-time purchase. Premium subscribers also unlock automated real estate property estimates.

Sum is built for people who believe financial independence is achievable by anyone willing to track the numbers and make a plan. Whether you're just starting out or years into your FIRE journey, Sum meets you where you are.

Developed by 1776 Capital Management LLC
Visit us at 1776mgmt.com