Questions

What is Long Summit?

Long Summit is an iPhone app that tracks your net worth from real balances. Once a month you type what each account holds and what you owe, and it shows your net worth, your cash flow, your debt, and where all of it is heading.

It also tracks what your subscriptions cost and when each credit card is due.

Who is it for?

It is for people who are building wealth and want to see exactly where they stand, without keeping a daily record. If you have accounts in several places — a bank, savings, investments, a pension, a mortgage — and no single view of the total, that is the gap it fills.

It is not for someone who wants to control weekly spending. That needs a budget, and this is not one.

What devices does it run on?

iPhone only, on iOS 18 or later.

There is no Android app, no Mac app, no web app, and no native iPad app. If you need any of those, this is not the app for you today.

What does it cost?

$24.99 a year with the first month free, $4.99 a month, $59.99 once.

Prices are in US dollars. In your country they may be different. The App Store shows your price before you pay.

You can look around the whole app with sample data before paying, and without an account.

Can I try it before paying?

Yes. "Have a look around" opens the whole app filled with sample data, with no account and no payment.

You sign in when you want to put your own numbers in.

Do I need an account?

You need one to save your own numbers, and it is Sign in with Apple. That is what makes your data come back on a new phone.

Looking around with the sample data creates no account and sends nothing to us.

How much work is it each month?

One number per account, once a month. You read the real balance in your bank app, your broker or a statement, and type it in.

If nothing changed, there is a "Nothing changed" button instead of typing. If you skip a month, the number before it carries over.

Why once a month, and not every day?

Because money runs on a monthly cycle — pay, rent, bills — and one number a month covers the whole cycle. Your balance the day before payday tells you very little on its own.

Each month also builds the history. Seeing how your net worth moved month by month is the part that pays off later, and a monthly number is small enough to keep up for years.

What if I type a balance twice in one month?

The last number you type in a month is the one that counts. Earlier numbers for that month are replaced, not added.

What happens if I miss a month?

Nothing breaks. The last number you typed carries over, and the app marks which rows still need an update so you can see what is stale.

This is the main difference from tools built on transactions, where a missed month leaves a hole that the total never recovers from.

Can I add months from before I installed the app?

Yes. You can type past months from old statements or your bank app, so your history starts before the day you downloaded it.

What kinds of things can I track?

Five kinds. Cash (accounts and savings), Assets (a home, a car, stocks, crypto — things whose value moves), Fixed (things that grow at a set rate, like a fixed deposit or a bond), Debts (a mortgage, a loan, a credit card balance), and Pots (cash set aside for something, with a goal and a date).

Each kind behaves differently. Fixed things grow by themselves from the rate you set, and debts come down by themselves from the payment you set.

How is cash flow worked out if I never enter income or spending?

Cash flow is the change in your cash from one month to the next, so there is nothing to enter. Everything that came in and went out has already landed in your balance.

Moving money into savings or investments does not count as cash flow leaving: your cash goes down, but your net worth does not, because the money just moved.

What is a pot?

A pot is cash you have set aside for something, with a goal and a date. A holiday, a laptop, an emergency fund.

Two numbers keep it honest: Cash always shows your real total, the same as your bank, and Net cash shows your cash minus your pots — what is actually free. Your net worth never changes because of a pot; it is the same money, just spoken for.

Does it tell me when I will be debt free?

Yes. Give a debt its rate and what you pay each month, and it shows the month that debt is gone.

What is the forecast based on?

The range ahead is carried on from how your own numbers actually moved, not from a typical return or an assumption we picked.

Because it comes from your history, it gets more useful the longer you keep it up.

Can I change the kind of something after I add it?

No. The kind decides which block the thing sits in for every month of its history, so it cannot be changed afterwards. Delete it and add it again.

Does Long Summit connect to my bank?

No. There is no bank login and no account linking of any kind. Nothing is ever read from your accounts.

You type the real balance once a month from your bank app or a statement. That is the whole method, and it is deliberate: there is no connection to break, no re-authentication every few weeks, and no gap in your history when a link fails.

Is it a budget app?

No. There are no budgets, no categories and no spending limits.

It tracks what you have and what you owe, which is a different job. If you want to plan and control weekly spending, you want a budgeting app instead.

Do I have to log my purchases or income?

No. There are no transactions to enter, no receipts, no categories and no income entries.

The one cost you ever type is each subscription, and you type that once.

Does it fetch live prices for my stocks or crypto?

No. You type what a holding is worth when you check it.

That means your net worth is exactly as fresh as your last update, and the app shows which rows still need one rather than pretending everything is current.

Is there an Android version?

No. It is an iPhone app only, and there is no Android version planned that we can promise today.

Is there a web app or a Mac app?

No. There is no web app, no Mac app and no native iPad app.

Does it give financial advice?

No. It shows your own figures and where they lead, and it is not financial, tax, investment or legal advice.

There is no score, no rating of your decisions, and nothing telling you what to do with your money.

Does it find my subscriptions for me?

No. It does not read your bank or your email, so it only knows the subscriptions you add.

To set up the first time, people usually work through iPhone Settings → your name → Subscriptions, plus one card statement.

Can it cancel a subscription for me?

No. You cancel where you pay, then mark it cancelled in the app.

How does subscription tracking work?

You add each subscription once — its price, how often it charges, and the next date — and the app writes each charge into its history on the day and moves the date forward.

So you see what each one has really cost you, by month and in total, and a price change never rewrites what you already paid.

Why would I type my subscriptions in rather than have them found?

Because finding them means giving an app access to your bank or your email. This one asks for neither.

The trade is real and worth stating plainly: you do the first setup by hand, and in exchange nothing of yours is read. After that there is nothing to do each month, because dates move and charges are written down by themselves.

Will it remind me before a subscription renews?

Yes. A notification at 9 AM before the day, set up for you on free trials (2 days before), yearly charges and one-time purchases (1 week before).

Weekly and monthly ones start off, because otherwise you would hear from it every month. You can also have a reminder sent by email, to an address you confirm once with a six-digit code.

Can it handle a subscription I split with other people?

Yes. Mark it as split, say who is in and who paid, and a People tab shows who owes whom.

It is meant for when money actually moves between you. Family who never pay you back are better left out.

Can I export subscriptions for tax?

Yes. Mark what is for work, and All time has an Export button that gives you a CSV for each tax year.

What does the credit card part do?

It keeps each card’s dates and details in one place — the statement date and the payment due date — with a reminder before a date.

It does not read your card or import transactions. You type what each card is, and the balance you owe goes in as a debt like any other.

What is Docs for?

Docs is where you file documents: payslips, bills, statements, policies, tax forms, in folders and stacks you make.

They are kept in your own iCloud Drive, or on your phone if iCloud is off, and never on our servers. You can export one file or a whole stack, as CSV, PDF or ZIP.

Are there widgets?

Yes. Your numbers can sit on the Home Screen without opening the app.

What does Forecast do?

You describe a plan in your own words and it shows where that plan takes you, month by month — when money runs out, when you reach a goal, when you break even, or what you will have by a date.

For example: "I have $20k saved and spend $3k a month. When do I run out?"

Which AI does it use, and what is sent?

Forecast uses DeepSeek, an AI company in China. What you type into a forecast is sent there through our server.

Your Money numbers and your documents are never sent. The app asks you once, before the first time, and nothing goes until you tap.

Does the AI do the maths?

No. The AI writes the plan; the app does all the arithmetic, the same way every time.

That is on purpose, because a language model is not reliable at arithmetic. Any number you did not give is marked as a guess, in gold, so you can check it.

Can I use the app without the AI at all?

Yes. Everything except Forecast works without any AI, and nothing is sent anywhere unless you use Forecast and tap to send it.

Is there a limit on AI use?

Yes, a monthly allowance, shown as a ring. When it runs out you can still move numbers by hand, and it comes back on the 1st.

Where is my data kept?

Your numbers are saved to your account, so they survive a lost phone and come back when you sign in on a new one.

Your documents stay in your own iCloud Drive, or on your phone if iCloud is off — never on our servers.

Are there ads or analytics?

No. There is no advertising and no analytics in the app. Nothing measures what you tap or which screens you open.

We do not sell or share your data.

Can I get my data out?

Yes. Docs exports CSV, PDF and ZIP files, and Subscriptions exports a CSV for each tax year.

How do I delete my account?

In the app: open the Money tab, tap the Settings gear, then Delete account.

Your phone is cleared at once and everything in your account is erased from our servers 7 days later. Signing in within those 7 days keeps it. Deleting the app on its own does not delete your account.

What happens when I get a new phone?

Install the app and sign in with the same Apple ID, and everything in your account comes back.

Your Docs files come back through iCloud Drive, so keep iCloud Drive on for the app.

Who made it?

One person, and contact@thelongsummit.com reaches them directly.