Sum

Track your net worth, plan for FIRE, and start your Financial Revolution.

Take control of your financial future. Sum is the all-in-one personal finance tracker built for those who are serious about building wealth.
Developed by 1776 Capital Management LLC, Sum gives you a clear, real-time picture of where you stand financially — and a roadmap to where you want to go.

📊 NET WORTH TRACKING
Know your number. Sum consolidates your assets, liabilities, income, and expenses into a single dashboard so you always know your true net worth. Watch it grow over time with beautiful charts that show your financial trajectory at a glance.

🔥 FIRE CALCULATOR
When can you retire early? Sum's interactive FIRE (Financial Independence, Retire Early) calculator lets you adjust every variable — income, spending, investment return, withdrawal rate, tax rate — and see your retirement date update in real time. A sensitivity analysis shows you exactly how much faster you could retire by cutting expenses, so you can make decisions that actually move the needle.

💸 CASHFLOW SANKEY DIAGRAM
See where your money really goes. Sum's visual Sankey diagram maps the flow of your monthly income into every expense category, savings, and investments. It's the most intuitive way to understand your spending at a glance — and spot where your money is leaking.

📈 CASHFLOW PROJECTION
Plan years ahead. Sum projects your recurring income and expenses annually, shows your cost-per-category, and charts your net worth trajectory up to 10 years into the future. You'll always know if you're on track.

🎯 GOALS & BUDGETS
Set net worth goals with target dates and track your progress. Create monthly spending limits by category with red, amber, and green progress bars so you know instantly whether you're on track or overspending.

🏆 FINANCIAL HEALTH SCORE
Get an honest assessment of your financial health with a 0–100 score built from four factors: debt-to-asset ratio, financial runway, savings rate, and FIRE progress. Tap the score to see a full breakdown, compare yourself to real peer benchmarks by age and country, and understand exactly what to improve.

🔔 SMART REMINDERS
Life gets busy. Sum sends you customisable push notifications when you haven't logged data in a while — daily, weekly, biweekly, or monthly, your choice. You'll also receive a periodic Progress Report Card showing your net worth change, cashflow trends, goal progress, and a link to the latest financial insights from 1776cap.com.

💱 MULTI-CURRENCY SUPPORT
Live or invest internationally? Sum supports multiple currencies with live exchange rates, so your net worth is always displayed accurately in your chosen currency.

🌐 BLOG & MARKET INSIGHTS
Stay informed with the latest articles from 1776 Capital Management, delivered directly in the app. Read expert commentary on markets, personal finance strategy, and the path to financial independence.

🔒 SECURE & PRIVATE
Your financial data is protected with Firebase authentication and encrypted cloud storage. Your data belongs to you — always.

⭐ GO AD-FREE
Upgrade to Sum Premium with a single one-time purchase to remove all ads permanently. No subscription. No recurring charges. Just a clean, distraction-free experience.

Start your Financial Revolution today.
Sum is built for people who believe that financial independence isn't a privilege — it's achievable by anyone willing to track the numbers and make a plan. Whether you're just starting out or years into your FIRE journey, Sum meets you where you are and helps you get to where you want to be.

Developed by 1776 Capital Management LLC
Visit us at 1776mgmt.com