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. Safe to Spend 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, import CSV files from Mint, YNAB, or Monarch, or connect a bank and let transactions arrive automatically. Split purchases across categories, track expected refunds, and turn any merchant into a one-tap auto-categorization rule.

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

AI-powered analysis spots spending trends and flags unusual charges. 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 ANDROID

- Wear OS app, tile, and watch face complications — Safe to Spend, budget, and net worth at a glance
- Home screen widgets for your budget, your net worth, and upcoming bills
- Fingerprint or face unlock for app lock, with device PIN fallback
- Dark design that's easy on the eyes, day or night

PRIVACY

Your budget lives on your device and works without an account. Bank connections run through Plaid, and your bank credentials never touch TrueSummit's servers. Switch on "Keep data on this device only" to stop cloud syncing entirely. Export everything you've entered whenever you want, or delete your account and its data outright. AI features send only what that request needs, and only when you choose to use them.

SYNC AND SHARE

Sign in to back up your budget to the cloud and share it with a partner or spouse. Both people see the same categories, balances, and goals in real time.

TrueSummit is free to try for 30 days. A subscription unlocks receipt scanning, AI insights, family sharing, extended cash-flow forecasts, advanced reports, and unlimited bank connections.

Questions or feedback? We read every message at support@truesummitapp.com