Your finances
have a summit.
Every goal is a peak. Every dollar you assign is a step toward it. TrueSummit puts zero-based budgeting, net worth, debt payoff, and forecasting on one route — instead of five apps and a spreadsheet.
Not another spreadsheet with a login screen.
Budgeting apps tend to converge on the same feature list. TrueSummit is built around a few decisions most of them don’t make.
A guide, not an upsell
Insights are bundled into Premium on both platforms — not sold as a separate AI add-on. On iPhone they run entirely on-device with Apple Intelligence; on Android, they’re generated using Google’s Gemini API.
Every dollar gets a job
Zero-based budgeting at the core: income in, jobs out, until nothing’s unaccounted for. Safe to Spend tells you what’s actually free, right now.
One map, whole terrain
Checking, investments, debt, and goals plotted on a single net worth line — instead of switching apps to see the whole picture.
Built for a rope team
Share a household budget with a partner, split costs, and settle up — without spreadsheets or a shared password.
A ritual, not a report
A five-minute Weekly Review with a streak worth keeping, savings challenges, and a Wrapped-style look back at your year.
Bring your trail data
Import history straight from a CSV export of your old budgeting app. No starting over from zero on day one.
Eight camps, one ascent.
Every tab in TrueSummit is a stop on the same climb — from the first dollar you assign to the year you look back on.
Give every dollar a job.
- Safe to Spend shows what’s actually free to spend right now.
- Categories & groups — tap one to fund, edit, or set a goal.
- Actions menu — move money, draft from history, plan a paycheck.
Every purchase, in one stream.
- Quick add & import — log a purchase in seconds, or import CSVs.
- Review inbox catches anything imported without a category.
- Splits, refunds & rules — turn any merchant into a rule.
Your whole financial picture.
- Accounts, investments, and debts rolled into one trend line.
- Reconcile any account to keep balances honest.
- Debt Payoff Plan — avalanche vs. snowball, with a debt-free date.
See what’s coming.
- Bill Calendar — upcoming bills laid out day by day.
- Cash-flow forecast projects balances weeks or months ahead.
- What-If Simulator tests a raise or a big purchase before it happens.
Chase your biggest goals.
- Each goal is a peak to climb — saved amount and ETA at a glance.
- Name a goal and a target; a savings category is created automatically.
- Fund it in the budget each month and watch the bar climb.
Look back with clarity.
- Spending breakdowns by category and merchant — tap to drill down.
- Comparisons — this month vs. last month, last year, any range.
- Export & Tax Pack — CSV/PDF exports plus a year-end summary.
Your money, coached.
- AI insights spot trends — on-device with Apple Intelligence on iPhone, or Google’s Gemini on Android.
- Weekly Review — a five-minute check-in, with a streak to keep alive.
- Challenges & Wrapped — savings challenges and a year in review.
Tune TrueSummit to you.
- Sync & Account — back up your data, share a budget with a partner.
- Rules & Smart Alerts — auto-categorize merchants, get bill reminders.
- Make it yours — reorder tabs, rename them, pick your own colors.
Two ways to climb.
Both plans start with a 30-day free trial. Upgrade to Premium when the terrain gets more ambitious.
Connect your accounts and plan ahead.
- Bank & investment linking, up to 15 accounts
- Cloud sync across your devices
- Zero-based budgeting & Safe to Spend
- Transactions, splits & CSV import
- 30-day Horizon forecast
- Basic reports & 12 months of history
- Peaks — unlimited savings goals
Everything in Pro, plus the full TrueSummit toolkit.
- AI insights (Apple Intelligence or Gemini)
- Household sharing & Settle Up
- Investment & liability tracking
- Receipt scanning
- Auto-categorize rules & Smart Alerts
- Subscription tracker
- Up to 100 accounts & unlimited history
- Export reports & Tax Pack
- 365-day Horizon forecast
One ascent. Two app stores.
The core climb — budgeting, transactions, net worth, forecasting, and Peaks — launches on iPhone and Android together. A few extras are Apple-exclusive by nature.
iPhone
The full app — budget, transactions, net worth, forecasting, goals, reports, and on-device AI insights, all in one place.
Android
The same ascent, built natively for Android — budgeting, transactions, net worth, forecasting, and Peaks goals.
Apple Watch Apple only
Glance at Safe to Spend, log a purchase from your wrist, and keep an eye on this week’s streak.
Home Screen Widgets
A mountain widget for your Home Screen on iPhone and Android. On iPhone, you’ll also get Quick Log from the Lock Screen and Live Activities while you spend.
Your data. Your device. Your call.
Money data is sensitive. TrueSummit is built so you’re never guessing where yours goes.
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How your AI insights are generated
On iPhone, Apple Intelligence generates them locally — nothing is sent out to produce a trend or a nudge. On Android, insights are generated using Google’s Gemini API, which sends relevant transaction details to Google to produce each one.
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Export or erase everything
Settings → Privacy & Data shows exactly what syncs, and lets you export or delete it all in one place.
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Bank logins never touch our servers
Account connections run through Plaid — your bank credentials go to Plaid and your bank, not to TrueSummit.
The view from the top is a net worth line going up and to the right.
A 30-day free trial. No spreadsheet required. iPhone and Android, launching together.