Four transaction types
Record expenses, earned money, refunds, and transfers with the right behavior for each.
FeaturesA complete money toolkit.
A complete money toolkit.
Still entirely yours.
From the first transaction to a full financial picture, Sumstead keeps every core workflow clear, dependable, and private.
TrackEveryday money,
Everyday money,
modeled correctly.
Sumstead is more than a spending list. It uses a balanced ledger and exact minor-unit math so transfers, refunds, opening balances, and account totals behave the way money should.
Flexible accounts
Track cash, checking, savings, credit, asset, and liability accounts in one base currency.
Find anything
Search and filter locally by account, category, merchant, date, and transaction type.
PlanForward-looking,
Forward-looking,
not restrictive.
Build a plan that can evolve with real life. The free core covers everyday budgets; Premium adds richer automation and planning tools.
Budgets
Set overall or category budgets and follow clear remaining and progress views.
Recurring flows
Premium schedules repeating transactions with catch-up generation and local reminders.
Savings goals
Premium goals track progress using balances from linked accounts, without duplicating your money.
UnderstandInsight that never
Insight that never
needs to upload.
Cash-flow summaries, category breakdowns, trends, and comparisons are calculated locally from your own ledger.
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.
Advanced analysis
Premium adds custom periods, trends, history, and deeper comparisons.
Keep & protectReceipts, security,
Receipts, security,
and a way out.
Your records are useful only if they stay accessible to you. Sumstead protects local data and makes export and backup part of the core product.
On-device receipt OCR
Capture documents or import photos, then confirm merchant, date, total, tax, account, and category before saving.
Native security
Use device-owner authentication, privacy curtains, and protected storage for sensitive actions and files.
Portable by default
CSV import/export and password-protected encrypted backups stay available in the free core.
No account required
Keep the full picture close.
Sumstead is being prepared for its first iPhone release.