Sum: Net Worth, CPF & HDB

Your money, summed up.

Sum brings your money in Singapore into one place: bank accounts, credit cards, CPF and your HDB flat, with your net worth and how it changes over time.

YOUR NET WORTH, IN ONE NUMBER
Add accounts by hand, import a statement, or link a supported bank account. Sum adds up what you have and what you owe, and shows the trend month by month.

STATEMENTS IN, SORTED OUT
Import PDF, CSV and Excel statements from Singapore banks, cards and wallets, or a screenshot of your transactions. Sum reads the transactions, sorts them into categories and remembers when you correct one. After an import it asks for today's balance, so your net worth reflects what you have now.

CPF AND HDB
Retrieve Myinfo with Singpass and your CPF balances (OA, SA, MediSave, Retirement), contribution history and HDB flat details come straight in. One read, no statements, nothing to key by hand.

CARDS AND CASHBACK
Track supported cards' minimum spend, bonus categories and cashback caps from the transactions you import, and see which bonus is still earning this month. Estimates follow each card's published terms.

BUDGETS, GOALS AND BILLS
Set category budgets, save towards goals, and keep the bills you pay yourself in view, with reminders before they're due.

ESSENTIAL AND PRO
Sum is free to use. Essential (yearly) adds the CPF planner, tax relief tracking, long-range projections and unlimited report exports. Pro (monthly) adds AI insights on your spending, stocks and crypto tracking with live prices, and property valuation with what-if planning.
Subscriptions are billed through Google Play and renew automatically until you cancel. Manage or cancel them in Google Play under Payments and subscriptions.

PRIVATE BY DESIGN
Sum is read-only: it can't move your money. You choose what comes in, and you can delete any of it, or your whole account, at any time. When Sum's own readers can't read a file, it may be sent to an external AI provider to extract the transactions, and the app tells you first. Details are in our Privacy Policy.

Support: https://sum.sg/support
Privacy Policy: https://sum.sg/privacy