Right away
Log what you just paid
Amount, category, done. No long forms.
- FoodToday · Main account−€12.40
- CoffeeToday · Cash−€1.80
- TransportToday · Card−€2.30
Example
A few seconds, on your phone or your laptop.
Personal finance
Track your spending without connecting your bank. Your finances, clear.
Log an expense in seconds or import the CSV or Excel you download from your bank. Sumant sorts it and shows you where your money goes.
- No card
- Works offline
- Encrypted data
In active development since May 2026, made with care in Spain.
This is Sumant
Designed so you can track in seconds and understand your month at a glance.
Transactions
Find any expense and see where the month went.
Importing transactions
Bring in months at once and check them before anything is saved.
Statistics
See where your money goes and how it shifts month to month.
Budgets
Set a cap and see what's left before you go over.
Savings goals
See how far you are from what you're saving for.
Add expense
Log what you just paid in a few seconds.
Start however you like
Log today's coffee or bring in your last few months. Both roads end in the same place.
All at once
Bring in your last few months
Download the CSV or Excel from your bank and upload it as it comes.
transactions-august.xlsx247 transactions read
- Works out the columns, whatever your bank calls them
- Groups transactions by merchant and suggests a category
- Flags the likely duplicates so you can look at them
Nothing is saved until you confirm it.
Your money, in order.
However you get there, the month reads the same.
- Categories
- Budgets
- Statistics
- Goals
- Food€342.10
- Transport€118.40
- Shopping€276.90
Example
What you can do today
Nothing lands unseen
Whatever Sumant was unsure about stays flagged for you to check whenever.
Save for what matters
Goals with a target and a deadline. You save toward something, not out of duty.
Your net worth, your way
Track assets and liabilities with the values you enter. Private mode hides amounts on screen.
Budgets by category
And if you go over, the bar says so without making a scene.
Multiple accounts
Bank, cash, card: all your money in one place, with transfers between accounts.
Export anytime
Your data is yours. Free: JSON · PRO: CSV and XLSX.
You want to know where your money goes. Keeping the habit is the hard part.
Most things fail the same way: they ask for more work than you'll actually do, or they want your bank keys before they let you look around.
Your bank
It sees what goes through it. Not how you organise the rest of your money.
The spreadsheet
Flexible, until keeping it up becomes another chore.
Connected apps
Convenient, but they open by asking for access to your accounts.
Sumant keeps the good parts: quick day to day, thorough when you want to look back, and no bank to connect.
Sumant vs Fintonic, Mooney and Excel
Log manually or import CSV/XLSX, without connecting your bank. This is what changes.
| Sumant | Fintonic / Mooney | Excel | |
|---|---|---|---|
| No bank connection | Yes | No | Yes |
| No ID required | Yes | No | Yes |
| Track in 3 seconds | Yes | Partial | No |
| Works on phone and computer | Yes | Partial | Partial |
| No ads | Yes | No | Yes |
| Built for tracking by hand | Yes | No | Partial |
Your data is not ours.
You decide what goes into Sumant: you download the file from your bank and review it before importing. Sumant never needs your banking credentials and never connects to your accounts. When you sign in, what you log syncs encrypted and tied to your account. No ads, no advertising tracking.
- The bank file is processed on your device. Sumant does not keep the original statement — only the transactions you confirm.
- Stored encrypted and tied to your account: a transaction is only visible to whoever logged it.
- There is no bank integration in the codebase. Sumant could not read your bank even if we wanted to.
- Zero advertising tracking. Analytics only loads if you accept it, and never sees amounts or descriptions.
- Export everything in one click and delete your account whenever you want. If you leave, you take it with you.
Start free. PRO is paid once.
The free plan never expires. PRO Founder is a one-time payment — no subscriptions, no renewals.
Free
0 €forever
Use Sumant properly without paying. No card, no expiry.
Bank transactions1 file · up to 250 transactions
AnalyticsLast 3 and 6 months
Organisation38 categories included
AutomationEverything by hand
Budgets & goalsMonthly · up to 3 goals
ExportJSON
Launch price
Sumant PRO Founder
€19.99one time only
To bring in your full history, automate the repetitive part and understand the whole year.
PRO forever. No monthly fee, no renewal.
Bank transactionsUnlimited files · CSV and Excel
Analytics12 months · trends and best and worst months
OrganisationAll 38 and the ones you create
AutomationRecurring, rules and templates
Budgets & goalsDaily, weekly and monthly · unlimited goals
ExportJSON, CSV and Excel
In both plans: unlimited manual transactions, several accounts, 14 currencies and offline use.
See everything each plan includes
- Bank transactions
- Free: 1 file · up to 250 transactions
- PRO Founder: Unlimited files · CSV and Excel
- Categories
- Free: 27 expense and 11 income
- PRO Founder: The same, plus the ones you create
- Savings goals
- Free: Up to 3
- PRO Founder: Unlimited
- Budgets
- Free: Monthly by category
- PRO Founder: Monthly, weekly and daily
- Analytics
- Free: Monthly dashboard
- PRO Founder: Historical and yearly
- Export
- Free: JSON
- PRO Founder: JSON, CSV and XLSX
- Import templates
- Free: —
- PRO Founder: Saved
- Recurring transactions
- Free: —
- PRO Founder: Included
- Categorisation rules
- Free: —
- PRO Founder: Included
Special launch price: buyers keep their PRO access. No subscriptions, no renewals. Includes future updates to the Sumant PRO core; services with ongoing external costs may be offered as optional add-ons.
Your data syncs encrypted. No ads; optional analytics with consent.
Frequently asked questions
Do I have to connect my bank to use Sumant?
No. Today Sumant works with manual entry and CSV/XLSX imports, without asking for banking credentials or using aggregators. You download the statement from your bank's website or app and choose the file you want to import. Sumant never needs your credentials or permanent access to your account.
Where is my data stored, and is it safe?
First on your own device: if you never sign in, they never leave it. When you sync, they travel encrypted and stay tied to your account, so no other user can read them. You can delete your account and its data from Settings whenever you want.
Does it work offline?
Yes. Sumant is local-first: everything you track lives on your device first and the app works without a connection. When you're back online, it syncs automatically.
How does it sync between my devices?
When you sign in with your email, Sumant syncs your data automatically across phone, computer and tablet. Change something on one and it shows up on the others.
Can I have multiple accounts (bank, cash, card)?
Yes. Create as many accounts as you need — bank, cash, card, savings — each with its own currency and starting balance. You can also transfer between them.
Can I manage money together with my partner?
Today Sumant is for individual use: each person keeps their own accounts with their own email. If shared accounts interest you, write to us from Contact.
Coming from another app?
Exactly what changes if you switch to Sumant, app by app.
Now is the time to start.
Takes one minute. No card, no bank connection needed.
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