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Make Every Money Move a
Smart one.

Sumart brings your budget, credit cards, and money habits together in one clear app. Plan your month, take on monthly challenges, keep your streak alive, and watch your Sumart Score climb as you level up.

Sumart app showing debt payoff progress, credit cards, and bill calendar
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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, take control of your debt, and build better money habits — one challenge at a time.

No ads · We never sell your data · Cancel any time
Everything in one place
Everything in one place
See all your credit cards, balances, due dates, and spending in one simple dashboard.
A plan you'll actually follow
A plan you'll actually follow
Get a personalized payoff strategy so you know exactly which card to pay first and when you’ll be debt-free.
Make it a game
Make it a game
30 new challenges every month, daily streaks, and 20 levels to climb, from Money Rookie to Sumart Mastermind.
Everything You Need

Everything you need to stay on top of your finances.

Sumart helps you plan your spending, understand your credit, and build better habits in one place — giving you the clarity and control most apps are missing.

Smart Bill Calendar

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

Smart Bill Calendar preview
Color-coded by category
Click any day to see bills due
See what's due before your next payday

Budget Planner & Challenges

See what's left this month after your bills, give every category a plan, and turn good money habits into a game.

Budget Planner preview with monthly challenges and levels
Plans can't go over what you actually have
30 new challenges every month
Earn XP, keep your streak, and climb 20 levels
AI Budget Coach on Premium

Sumart Score™

One score from 0 to 1,000 that shows whether you're doing what you need to do — paying on time, sticking to your budget, and building better money habits.

Sumart Score preview
Credit: on-time payments and how much of your limits you use
Budget: staying within your plan and covering your bills
Habits: streaks, check-ins, and challenges from the last 30 days
Clear next steps — no confusing credit jargon
*The Sumart Score™ is an educational score based on the accounts, bills, and activity you add to Sumart. It is not a credit score and is not provided by a credit bureau.

Spending Breakdown & Reports

See exactly where your money goes by category — visual breakdowns, this month's activity, and monthly reports to spot patterns early.

Spending Breakdown and Reports preview
Account Breakdown in every plan
Monthly financial report & calculators
Export as PDF
Simple Pricing

Pick your plan.

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

Prices shown are for signing up at sumartinc.com. Subscriptions bought inside the iPhone or Android app are billed by Apple or Google and cost more there.

Starter
$4.99/mo

or $49.90/yr — 2 months free

Take control of your money with simple budgeting & debt tracking.

  • ✓Financial dashboard (income, expenses, total spend)
  • ✓Budget Planner with monthly challenges, streaks & levels
  • ✓Manual budget & transaction tracking
  • ✓Receipt Capture (5 Scans)
  • ✓Track Savings & Goals
  • ✓Bill calendar
  • ✓Manual credit card tracking
  • ✓Credit utilization tracking
  • ✓Minimum payment tracking
  • ✓Projected debt-free date
  • ✓Sumart Score™
  • ✓Debt Payoff Calculator
  • ✓Savings Goal Calculator
  • ✓Monthly Financial Report
  • ✓Account Breakdown report
Premium
$14.99/mo

or $149.90/yr — 2 months free

Everything you need to optimize, monitor, & accelerate your financial future.

  • ✓Everything in Starter & Pro, plus:
  • ✓Receipt capture Unlimited
  • ✓In-depth credit card reports
  • ✓AI Budget Coach
  • ✓Unlimited AI insights
  • ✓Advanced optimization tools
  • ✓Access to all Calculators
  • ✓Access to all reports
  • ✓Tax-ready receipt reports (PDF export)
  • ✓Early access to new features
Founding Member Offer
First 150 signups lock in Premium features at Pro pricing — forever. Grab your spot →
Get Started

Up and running in minutes

No spreadsheets. No confusion. Just five simple steps to a clearer financial picture.

1
Step 1
Choose Your Plan
Start your 7-day free trial on Starter or go straight to Pro or Premium. Every plan gives you the tools to organize your money and start making progress.
60 seconds
2
Step 2
Create Your Account
Sign up with email or Google. Your data is secure from the moment you join.
Secure signup
3
Step 3
Add Your Cards, Bills, & Income
Enter your credit cards, bills, and income in minutes to build your full financial picture.
Manual
4
Step 4
See Your Full Picture
View your dashboard, track your Sumart Score™, and understand your debt, spending, and progress in one place.
Live dashboard
5
Step 5
Track, Improve, Achieve
Take on monthly challenges, keep your streak alive, and level up. Follow your payoff plan, hit your savings goals, and watch your Sumart Score climb month by month.
Real progress

Start with clarity.
Stay for progress.

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

No spam  ·  7-day free trial on Starter  ·  Cancel any time