Question 1

Do I need to connect my bank to use Sumant?

Accepted Answer

No. You add transactions by hand, or import the file you download from your bank. Sumant never asks for your banking credentials or for ongoing access to your accounts.

Question 2

Is Sumant free? Is PRO a subscription?

Accepted Answer

The Free plan needs no card and never expires. PRO is a one-off payment of €19.99, not a subscription, and it adds importing without the free plan limit, scanning photos and screenshots with no monthly cap, automating with recurring transactions and with rules that run on import, and up to 12 months of analytics with CSV and Excel (.xlsx) export.

Question 3

What files can I import?

Accepted Answer

CSV, Excel (.xlsx) and Norma 43. If your bank's layout isn't recognised automatically, you tell Sumant which column is the date, which is the description and which is the amount.

Question 4

Does Sumant store the file I import from my bank?

Accepted Answer

No. The file is processed on your device and Sumant doesn't keep the original statement: only the transactions you review and confirm are saved.

Question 5

What happens if I import duplicate transactions?

Accepted Answer

Before anything is saved, Sumant compares what you're bringing in against what you already have. Exact duplicates arrive unticked, and the unclear ones stay in view for you to decide.

Question 6

Can I export my data?

Accepted Answer

Yes, whenever you want. On the Free plan you download your accounts, categories, transactions, budgets, goals, recurring transactions and net worth as JSON; it does not include your rules or this device's preferences. PRO adds CSV and Excel (.xlsx).

Question 7

Can I add transactions from a photo, a receipt or a screenshot?

Accepted Answer

Yes, on both plans. You upload a receipt or a screenshot from your bank, or type a sentence, and Sumant proposes the transactions with their amount, date and description; the category is proposed on your device and you review everything before it is saved. Reading an image needs a connection: the app sends the image, oriented and re-encoded, to the reading service together with today's date, and never sends your history or your categories. Sumant keeps neither the image nor the reading: it only records the number of readings per day and per account and technical data about each reading, such as how long it took. What the provider does with the image is described in the Privacy Policy. The Free plan includes 5 scans a month, counted when you confirm and save the transactions from an image, even if it holds several; PRO has no monthly cap. On both plans there is a maximum of 20 AI readings a day, across text and images, subject to service availability. Logging by hand never uses up readings.

Question 8

Does it work offline and sync across my devices?

Accepted Answer

Yes. Sumant is local-first, so you can keep checking and logging with no connection. If you're signed in, your changes sync across your devices as soon as you're back online. Deleting your data, deleting your account, buying PRO and reading a photo or a screenshot do need a connection.

Question 9

Where is my data stored, and how do I delete it?

Accepted Answer

On your device first. If you sign in, it syncs encrypted and tied to your account. You can delete your account from Settings → Account, and the retention periods for technical copies are in the Privacy Policy.

Question 10

Does it work on iPhone, Android, Mac and Windows?

Accepted Answer

Yes. Sumant is a web app: it opens in the browser on iPhone, Android, Mac, Windows or iPad, with no app store involved.

Question 11

Can I manage finances with someone else?

Accepted Answer

Not right now: Sumant is for individual use, and each person keeps their own accounts under their own login.

What is compared	SumantControl and structure	Bank-connected appMore automation	SpreadsheetMaximum flexibility
How transactions get in	By hand or imported	Usually synced	By hand or pasted in
Bank connection	Not needed	Usually required	Not needed
Categories and budgets	Built into the app	Depends on the app	You set them up
Before anything is saved	You review and confirm	Depends on the app	It's up to you
Flexibility	Ready-made features	Depends on the service	You define it

Track your spending without connecting your bank.

Add your transactions your way.

Everything you need to understand your money better.

Budgets

Savings goals

RecurringPRO plan feature

Automatic rulesPRO plan feature

Multiple accounts

Export your data

Managing your money shouldn't require access to your bank.

No access to your accounts

You decide what gets saved

Take your data with you

A more balanced way to manage your money.

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Sumant PRO

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