Summit

Your net worth, as a mountain

Summit's home screen shows one number first: your net worth, which Summit calls your altitude. Under it is the change this month, this year and over the last 12 months, and then the signature view — a mountain range where every monthly check-in is a peak. As your net worth climbs, so does the range. Snow caps the highest peaks, dashed flag lines mark your milestones, your debts sit in a lake at the foot of the mountain, and a coral flag marks where you are today.

Below the mountain are the four numbers worth knowing: total assets, total debts, liquid net worth and your debt-to-asset ratio. Trail notes pick out what changed: the account that moved your net worth most this month, how many months in a row you've climbed, how much debt you've paid down since you started, and your best month so far. New to the terms? Our free net worth calculator works out the same numbers in a minute, and the guide How to calculate your net worth walks through a full example.

Everything you own and everything you owe

Summit groups your accounts the way you think about them. Above sea level are your assets — cash and checking, savings and emergency funds, investments and brokerage accounts, retirement accounts such as a 401(k) or IRA, real estate, vehicles, crypto, a business and valuables. Below sea level are your debts — credit cards, student loans, auto loans, a mortgage, personal and medical loans.

Each account has a type, the bank or place it's held, an optional interest or growth rate, a note and a liquid flag that Summit sets from the type (you can change it). Link a mortgage to its home and Summit shows your home equity. Close an account and you can archive it: it leaves future check-ins but stays in your history, so past months never change. A colour band shows your mix at a glance, and every row has its latest balance, the change since last month and a small trend line.

The two-minute monthly check-in

A net worth tracker only works if you keep it up, so the check-in is designed to be quick. Open Check-in and every account is listed with last month's balance already filled in. Update what changed — the brokerage, the 401(k), the card balance — and the new net worth adds up at the top as you type, with the change on each row. Add a line to the trail journal ("bonus went to the brokerage") and save the waypoint.

Missed a month? Step back with the arrows and fill it in. Need to update one number mid-month? Tap the account and choose Update balance: it goes straight into this month's check-in. The trail log lists every waypoint with its net worth, the change, your note and any milestone reached that month.

Net worth history that shows the real trend

The Trail page is your net worth over time: the full mountain for 6 months, 1 year, 3 years or all time, plus an above-and-below sea level chart with assets as bars, debts below zero and net worth as a line. Four tiles give the starting point, the total change, your average monthly climb and your best month. The month-by-month table lists assets, debts, net worth and the change in dollars and percent, and a year-over-year table shows how each year started and ended and how much debt you paid down.

Seeing the trend matters more than any single number. A market dip shows up as one lower peak in a rising range, not as a reason to panic.

Milestones and a goal with an arrival date

Summit calls milestones camps. The built-in ones are net worth above $0, debt-free (every debt except the mortgage paid off), and $10k, $25k, $50k, $100k, $250k, $500k and $1M. Add your own for anything that matters to you — a house deposit, one year of expenses, a round number. Each camp shows the month you first reached it, or how far away it is and about how long it will take at your current pace. Cross a new one in a check-in and Summit plants a flag and celebrates with you.

Set a summit goal — an amount and an optional date — and Summit shows a progress peak, your arrival date at the current pace, and how much you'd need each month to arrive on time. The pace comes from your own history: the average monthly change across your last 12 check-ins.

What-if forecast: "What if I invest $500 a month?"

The Forecast page is a simple route planner. Type how much you'd invest each month, an expected yearly growth rate, any extra debt payment, and how many years to look ahead. Summit grows your investable assets (investments, retirement and crypto) at that rate, keeps your home, car and cash flat, and uses the extra payment to clear debts first — the mortgage last — before rolling it into investing.

You see where you'd be in 10, 20 or 30 years, when you'd reach your goal and $1M, when you'd be debt-free, how much you put in and how much growth added — next to your current trend line and a year-by-year table. Save a route to compare plans side by side. The maths is the same compound growth our compound interest calculator uses; real returns go up and down, so treat it as a planning aid.

Mix, ratios and emergency runway

The Mix page shows what your net worth is made of:

• Assets and debts by type, as donuts with amounts and percentages.
• Liquid vs locked up — how much of what you own you could actually use within days.
• Debt-to-asset ratio — total debts ÷ total assets, with a plain-language reading.
• Emergency runway — liquid money ÷ your monthly costs, in months. Our emergency fund calculator helps you pick a target.
• Liquid net worth — liquid assets minus debts other than the mortgage.
• Home equity — each home's value minus the mortgage linked to it.

A "How are these worked out?" panel explains every number.

For couples and households

Many people track net worth as a household. Add your partner's name in Settings and every account gets an owner: you, your partner or joint. A switch on each page moves between Household and each person's view, and joint accounts count at half in a personal view — so each of you can see your own progress while the household number stays whole. Link your phones and a laptop and you all see the same numbers.

Reports, CSV import and export

• Net Worth Statement: a personal balance sheet for any month, every account by type with totals, liquid net worth and debt-to-asset ratio. Print it or save it as a PDF for a lender, a planner or your records.
• Year in review: start, end, change, assets grown, debts paid down, best month and milestones reached.
• CSV export of your full history (one row per month) and of your accounts list, for Excel, Numbers or Google Sheets.
• CSV import of past balances from an old spreadsheet — date, account and balance — with a preview, automatic new accounts and a one-tap undo.

Who Summit is for

Anyone who wants their whole financial picture in one place without connecting a bank: young professionals starting to invest, couples building wealth together, FIRE and early-retirement savers watching for their number, and people paying off debt who want to see the lake shrink while the mountain grows. If you're focused on a monthly budget instead, Vault is our personal finance dashboard; for paying off debt with snowball or avalanche, try Zero; and to build savings with a challenge, there's Nest.

A typical month with Summit

1. On the 1st (or payday): open Check-in and update the balances that changed.
2. Save the waypoint and write one line about the month.
3. Glance at the trail notes — biggest mover, streak, best month.
4. Every few months: refresh your home and car estimates, and try a new route on the Forecast page.
5. Once a year: print the year in review and set your next summit.

Privacy and devices

Summit has no account, no bank login and no tracking. Your balances stay on your own devices. Link your phone and computer once with a 6-digit code or QR, and a balance updated on one shows on the other a moment later — encrypted on the device before it travels. Backup and restore take one file.

Summit installs from your private link on iPhone, iPad, Android, Mac, Windows and Chromebook and works offline once installed. Any currency works. Three themes — Daylight, Night climb and Alpenglow — keep the mountain look.

What you get

• Your private Summit link and QR code.
• A 14-page PDF guide: Start Here, How to Open & Install, How Summit Works and the license.
• Bonus printables: 7 net worth worksheets (net worth snapshot, account list, 12-month tracker, debt payoff plan, saving and investing log, emergency fund and runway, annual money review), 6 goal boards and 5 wallpapers.
• Free updates for the app itself.

Good to know

Summit is a tracking and planning tool, not financial, investment or tax advice. Forecasts, arrival dates and ratios are estimates based on the numbers you enter. It needs internet the first time you open it on each device and works offline after that.