Daily control
Accounts, income, and expenses create a transparent view of money movement.
Log transactions by category and account
See balances without manual reconciliation
01See capabilities
One systemfor all your funds
SUM01 helps you move from daily tracking to more mature financial decisions. No more Excel spreadsheets.
Accounts and transactionsObligations and subscriptionsAssets, capital, and analytics
Daily control
24/7
Transactions, recurring charges, and balances without manual chaos.
Finance modules
10+
Accounts, debts, credits, assets, goals, notifications, and other layers.
Unified data layer
1
One system for current decisions and a longer financial horizon.
Three layers that move you from tracking to capital
First you collect facts, then stabilize obligations and recurring payments, and only after that move into savings and a longer horizon.
Obligations and payments
Credits, debt, subscriptions, and reminders become one operational layer.
Do not lose recurring charges or deadlines
Plan monthly workload before it hits
Savings and capital
Goals and analytics help you manage the next step instead of only recording the past.
Track savings pace clearly
Move from budget control to capital thinking
Capabilities that already bring personal finance into one system
This section shows the current product layer only. The next directions are separated below so available capabilities and roadmap do not get mixed together.
Core ledger
Accounts and transactions
Income, expenses, categories, and balances sit inside one financial structure.
Payment layer
Credits, debt, and subscriptions
Control schedules, recurring charges, and overall obligation load without separate tools.
Decision rhythm
Reminders and signals
Do not lose payment deadlines, events, or recurring financial actions.
Savings
Goals and progress
Connect money in your accounts with visible financial goals and pace.
Analytics
Dashboards and trends
See spending categories, period dynamics, and the overall picture without noise.
Everyday limit
Food budget
Set up a food account and a monthly goal to see safe daily and weekly spending limits.
Price control
Price tracking
Watch price changes and connect them to everyday spending decisions.
Planning layer
Capital planning
Use goals, analytics, and financial pace as the basis for the next step toward capital.
The core finance layer is already available, while some scenarios are still being refined and stay in the roadmap so current functionality does not get mixed with near-term development.
See roadmapAssets in SUM01 work in two modes: simple for everyday clarity and deep for expert analysis
Digital and physical assets now live inside the same financial layer as the rest of your money. Start with a simple view of diversification, income, and expenses, then open a deeper expert layer when you need real portfolio analytics.
Simple mode
Clarity before complexity
The default view keeps only the signals that help a regular user understand the portfolio and the nearest actions without financial overload.
Diversification without formulas
SUM01 shows how the portfolio is spread out without forcing the user into technical ratios first.
Income stays visible
Asset income sits next to the wider money picture instead of hiding in a separate spreadsheet.
Expenses stay in context
Costs around physical assets are tracked alongside the rest of the user's recurring financial load.
Upcoming actions
For physical assets, SUM01 surfaces when the next income or expense should be applied to an account.
Expert mode
A deeper layer when it matters
For users who care about performance and return quality, the expert view opens a more professional layer of portfolio analytics.
XIRR across cashflows
Return calculations take the real timing of investments, withdrawals, income, and expenses into account.
TWR from valuation history
If valuations are tracked over time, performance can be viewed without contribution distortions.
Allocation and concentration
See class mix, digital versus physical exposure, and how concentrated the portfolio really is.
Top assets and contribution
Spot which positions dominate the portfolio and where the total result is being formed.
What can be tracked
The asset module covers both investment positions and physical holdings, and it can schedule recurring inflows and outflows for physical assets.
Digital assets
Stocks, bonds, funds, ETFs, crypto, and other positions with ticker, ISIN, and manual valuation support.
Physical assets
Apartments, houses, commercial units, land, vehicles, and other holdings outside a brokerage account.
Recurring cashflows
Income and expenses for physical assets can be scheduled ahead of time and applied to the right account on the right date.
How it looks
One module, two ways to work
SimpleExpert
A portfolio view without noise
Only diversification, income, expenses, and the nearest asset actions stay on screen.
Diversification
68%
Income
126K
Expense
39K
Upcoming action
Apartment income, April 25
Metrics and structure
XIRR, TWR, allocation, concentration, and top assets for a more serious portfolio view.
SimpleExpert
XIRR
14.8%
TWR
11.2%
Classes
6
Top assets
5
Portfolio split
Digital assets — 62%
Physical assets — 38%
Largest position
Long-term apartment — 24% of portfolio
Top holding by current value
Compare the SUM01 setup that fits your use case
The landing shows the difference between usage scenarios, while current prices, limits, and plan contents always live on the pricing page.
The next SUM01 layer already goes beyond basic tracking
Below are only the near directions of development. This is roadmap copy, not a description of already available functionality.
Neural assistant
A contextual assistant built around the user's financial state and recurring decisions.
Investment recommendations
Guidance for the next long-horizon step and for working with capital.
FIRE
Financial independence scenarios and pace tracking toward the goal.
Family layer
A shared layer for household finance, participant roles, and one view of the budget.
What people usually want to understand before starting
This section focuses on the current state of the product, data safety, and where to look for current terms without marketing guesswork.
Accounts, transactions, categories, assets, goals, debt, credit, subscriptions, reminders, food budget, price tracking, and expense analytics.
It is for people who want to bring personal finance into one system and move from simple expense tracking toward more mature financial management.
Your data is protected and hosted on server infrastructure with backup. The landing does not change the existing data handling rules or service documents.
On the dedicated pricing page. It remains the source of truth for current terms, plan contents, and prices.
A neural assistant, investment recommendations, FIRE scenarios, and the family layer. These directions live in the roadmap and are not described as already available features.
Start bringing personal financeinto one calmer system
If you want less manual routine and more clarity around money, obligations, and goals, SUM01 is ready to launch now.
Bring accounts, transactions, and obligations into one place
Get a clearer picture of spending and financial load
Build the base for the next step toward capital