Make Every Money Move a
Smart one.

Sumart brings your budgeting, credit cards, bank accounts, and credit score together in one clear dashboard helping you see where you stand, improve your credit, and make smarter money moves every day.

Sumart app showing debt payoff progress, credit cards, and bill calendar
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+28 pts
Score improvement
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Connected
Bank synced via Plaid
🎁 Founding Member Offer

First 150 Signups Get
Premium at Pro Pricing — Forever

Be among the first 150 to join and unlock all Premium features at our Pro tier price — that's $5/month savings for life. No tricks, no expiration.

150
spots left
🔒 No spam. Just a heads-up when we launch.
Why Sumart

Financial clarity without the overwhelm.

Managing multiple credit cards can get confusing fast. Balances, due dates, interest rates, and spending are scattered across statements, bank apps, and credit card accounts making it hard to know where you stand or what to pay first.

Sumart brings everything together so you can see your full financial picture and take control of your debt with confidence.

No ads · We never sell your data · Cancel any time
Everything in one place
Everything in one place
Connect your bank accounts and credit cards to see balances, due dates, spending, and debt in one simple dashboard.
Improve your credit score
Improve your credit score
Track your credit utilization, understand what impacts your score, and get alerts when your usage gets too high.
A plan you'll actually follow
A plan you'll actually follow
Sumart builds a personalized payoff strategy so you know exactly which card to pay first and how to get out of debt faster.
Everything You Need

Everything you need to stay on top of your finances.

Sumart helps you track your spending, understand your credit, and manage your money in one place; giving you the clarity and control most apps are missing.

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Smart Bill Calendar

Every bill, every due date — visualized on a beautiful monthly calendar. Never miss a payment again.

Income
$4,800
Bills
$3,060
Housing
$1,450
Transport
$562
Food
$380
Subscriptions
$145
Color-coded by category
Click any day to see bills due
Auto-populated when bank is connected
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Sumart Credit Score™

A personalized score based on your connected accounts, payment behavior, and credit usage — with clear steps to help you improve your financial health.

712
712 — Good Financial Health
3 actions to improve your score
Reduce outstanding balances → Score Impact
Maintain consistent on-time payments → Score Impact
Strengthen monthly cash flow → Score Impact
A personalized financial health score based on your real activity
Clear steps that show what actions improve your score
Track your progress as your habits improve
Easy-to-understand insights — no confusing credit jargon
*The Sumart Score™ is an educational financial health score based on your connected accounts and is not an official credit bureau score.
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Bank & Card Connect

Connect accounts via Plaid — the same tech trusted by Venmo and Robinhood. Income and spending auto-populate your dashboard instantly.

VISA
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Transactions auto-categorized
Recurring charges detected automatically
256-bit encryption — credentials never stored
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Spending Breakdown & Reports

See exactly where your money goes by category — visual breakdowns and monthly trend reports to spot patterns early.

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Animated category breakdowns
Monthly comparison reports (Pro+)
Export as PDF
Simple Pricing

Pick your plan.

No hidden fees. No ads. No selling your data. Cancel any time.

Starter
$5.99/mo

or $59.90/yr — 2 months free

Manual budgeting & credit tracking. No bank connection required.

  • Financial dashboard — income, spending, categories
  • Manual budget & bill entry
  • Bill calendar
  • Goal setting — savings & payoff goals
  • Manual transaction & savings entry
  • Manual credit card entry with APR & balance
  • Minimum payment tracker & interest cost view
  • Projected payoff date — minimum vs. paying more
  • Personalized advice to pay off faster & save on interest
Premium
$17.99/mo

or $179.90/yr — 2 months free

Live credit monitoring, full reports & coaching.

  • Everything in Starter & Pro, plus:
  • Live Experian credit score
  • Predict future credit score impact
  • Interest optimization scenarios
  • Debt-free timeline projections
  • Personalized score action plan
  • Yearly summary & trend reports
  • Debt payoff progress reports
  • Net worth tracker
  • Early access to new features
Founding Member Offer
First 150 signups lock in Premium features at Pro pricing — forever. Grab your spot →
Financial Tools

Calculators

Run the numbers before you make a move. Pro gets key calculators; Premium unlocks the full suite.

Pro+
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Debt Payoff Calculator
See exactly how long it takes to pay off your cards using avalanche or snowball methods.
Available on Pro
Pro+
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Savings Goal Planner
Set a savings goal and find out exactly how much to set aside each month to hit it.
Available on Pro
Pro+
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Car Loan Calculator
Calculate your monthly payment and total interest for any auto loan scenario.
Available on Pro
Premium
📈
Credit Score Simulator
Model what happens to your score if you pay down a card, open an account, or take a loan.
Premium Only
Premium
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Mortgage Affordability
Find out how much house you can afford based on income, debts, and credit score.
Premium Only
Premium
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Budget Allocator
Input your income and get ideal splits using the 50/30/20 rule — customized for your life.
Premium Only

All calculators are coming soon — sign up to get notified at launch.

Start with clarity.
Stay for progress.

Join the founding members getting Premium at Pro pricing — forever.

No spam  ·  No credit card required  ·  Cancel any time