Net worth6 min
How to calculate your net worth
Calculate net worth from assets and debts, distinguish it from available cash and check two worked examples. Sources and practical limits explained.
Founder of Sumant
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Oscar Gómez
Founder of Sumant
Builds Sumant and writes about recording expenses, reviewing statements and organising budgets. The guides distinguish app examples from information provided by external sources.
Signed articles
Freelance6 min
Freelance finances without mixing accounts
Separate personal and business money, plan for costs and review cash received. An adaptable account example, with sources and the limits of Sumant.
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Saving6 min
Saving when your income changes every month
Budget with variable income using essential costs, a cash reserve and an annual example. Check payment dates and adapt the plan as circumstances change.
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Tools6 min
Tracking expenses in several currencies
Record accounts in their own currency, compare reference rates with actual charges and check fees. Examples and Sumant’s current transfer limits.
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Tools8 min
Expense app for iPhone: App Store or browser
Sumant has an expense app for iPhone on the App Store. You can also open it in Safari and add it to your Home Screen. What changes between the two.
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Habits6 min
How to categorise your expenses
Choose expense categories, record refunds and review unclear entries. See Sumant’s 14 expense categories and flat structure.
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Tools16 min
7 personal finance apps: features and prices in 2026
Compare 7 personal finance apps by price and business model: subscription, one-off purchase, ads or commissions. Official sources, with Sumant included.
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Habits3 min
Track spending with a short daily review
A practical routine for recording expenses, checking the day and reviewing the week. Five minutes is a starting point, not a guaranteed duration.
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Privacy3 min
Choosing an app for manual expense tracking
What to check in a manual expense app: recording, reviewing totals, available exports and plan limits. A practical look at using Sumant.
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