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Free & no strings · The iOS beta is starting

All your finances.One app.Finally, in control.

sum supports you on the way to your financial goals: all your accounts and portfolios in one place, the key numbers in view — net worth, savings rate, investments — and AI insights that help you with concrete tips.

We'll reach out before launch. Our privacy policy applies.

Real app, sample data.

Perks

Your early-access perks

Early access

You're among the first to use sum.

Free & no strings

No account, no cost — just your email address.

Help shape it

We listen: your feedback helps make sum better.

Features

Step by step to your financial goals.

01 · Overview

All your accounts. At a glance.

ING for your salary, N26 as a second account, Trade Republic for your portfolio, DKB for savings, Excel as the ledger — and still no overview. sum combines your accounts and portfolios — plus real estate, valuables and debts. So the number that matters most for your financial goals stays in view: your net worth.

Real app, sample data.

02 · Plan

Your goals. Your plan.

Once you know where you stand, you can decide where you're headed: pay off debt, save for something big, build a reserve, invest — it's up to you. Set your goals — sum turns them into a plan and tracks it automatically.

Real app, sample data.

03 · Save

Save successfully. Month after month.

The way there runs through your income and spending. sum spots subscriptions, categorizes transactions automatically and makes your savings rate visible. Flexible budgets put you in control of your money.

Real app, sample data.

04 · Invest

Your investments. Always in view.

Portfolios connected, performance visible — see how your investments are doing, any time. Long-term investing is one of the strongest levers for building wealth.

Real app, sample data.

Ready to start toward financial freedom? Sign up for early access.

Get early access
„I wanted to finally have the full picture. To know where my wife and I stand as a household, where our money goes, how our net worth is doing — without juggling five apps. So I'm building an app for everyone who wants to get their finances under control and reach financial freedom.“
Frido · Founder
15 years in financeCPO · CTO experienceMunich
EU servers
GDPR-compliant
Made in Germany

FAQ

Frequently asked questions

What does early access mean?
Early access means: you're in as soon as the beta is ready for you. We'll email you — you're among the first to use sum and can help shape it from the start.
Which banks and brokers can I connect?
sum connects checking accounts, savings, credit cards and portfolios from the common German banks and brokers. We'll publish the full list at launch — with early access, you'll be the first to know.
Is sum a bank?
No. sum is not a bank and doesn't need to be. sum brings your existing accounts and portfolios together and makes them clear — no new account needed.
I already have a banking app — why sum?
Your banking app shows one bank. sum shows everything: all your accounts, all your portfolios, your net worth and your goals — in one place.
What does sum cost?
sum starts free, and the core features stay free. Early access itself is non-binding — you just leave your email address.
How secure is my data?
Your data is stored on EU servers and processed in line with the GDPR. sum never sees your bank login details. And we never sell your data.
When does it launch?
The iOS beta is starting now — the app is running on iPhone. Sign up now: we'll email you as soon as you can get started.

Get started

sum. Your path to financial freedom.

One place for your accounts, your net worth and your goals. The iOS beta is starting now — sign up for early access.

Get early access