A private financial analyst on your phone
Sumio includes sixty-two pre-engineered analytical prompts that evaluate your portfolio on demand. You tap a question, the software extracts the required figures from your recorded balance sheet, and a structured financial analysis appears on your screen.
What the assistant does
Most people never receive objective financial evaluations because formulating rigorous analytical questions requires specialized financial training. General chatbot interfaces present an empty text prompt where you must manually determine what metrics to calculate and how to format raw account balances.
The Sumio AI Assistant solves this blank page obstacle by providing a library of sixty-two pre-formatted prompts. Instead of struggling with prompt phrasing, you choose from curated evaluations covering net worth drivers, asset concentration, debt payoff acceleration, and retirement readiness.
Every prompt enforces analytical discipline: it requires the model to show the underlying arithmetic, calculate percentages, benchmark figures against established personal finance standards, and cite direct balance sheet evidence before offering conclusions.
Sixty-two questions, one tap each
Browse prompt categories directly inside your net worth screen. Select questions covering debt amortization, fund diversification, or five-minute Sunday check-ins without typing account totals.
Nine areas of personal finance
The built-in prompts span nine distinct operational categories, providing targeted evaluations for each component of your wealth:
Net Worth and Holistic Wealth Planning
Broad structural examinations of total assets, balance sheet solvency, and long-term accumulation trajectories.
Total Assets and Asset Category Management
Audits of overall portfolio distribution, capital concentration, and genuine asset class diversification.
Debt and Liabilities Optimization
Mathematical payoff comparisons between interest rate targeting and balance reduction schedules.
Stocks, ETFs and Funds
Fundamental enterprise evaluations based on value investing criteria, operating margins, and balance sheet debt.
Cryptocurrencies and Digital Assets
Analyses of token allocation sizing relative to net worth, protocol attack surfaces, and custody practices.
Smart Routine and Actionable Insights
Brief periodic reviews distinguishing organic savings discipline from market price action over short timeframes.
Precious Metals
Evaluations of physical gold and silver holdings as non-correlated capital preservation instruments.
Foreign Exchange (Forex)
Audits of international currency exposures, domestic purchasing power changes, and unhedged foreign cash balances.
Custom Indicators and Categories
Focused summaries targeting user-defined asset groupings, joint family pots, or private company stakes.
How a question runs
The execution model is straightforward. Your financial entries, asset quantities, and liability records remain stored locally on your device. The app operates without user accounts, mandatory cloud logins, or advertising trackers.
When you tap a specific prompt, the software gathers only the minimal balance sheet figures required to answer that individual inquiry. If you ask for a debt payoff schedule, the app packages your liability balances and interest rates, sending them securely to the AI provider. No background queries run while the app is closed.
The artificial intelligence model processes the request transiently and returns the structured answer to your screen. Our privacy policy contains current details regarding the specific enterprise infrastructure partners that handle prompt processing.
Six supported languages
Every prompt in the library is natively authored in six languages: English, Czech, German, Spanish, French, and Polish. The app detects your device language settings automatically and provides both prompt instructions and generated outputs in your chosen tongue.
Read the prompts before downloading
We publish our prompt templates openly. You can copy fifteen of our core prompts to use in your own ChatGPT or Claude accounts for free.
Experience on-demand analysis in Sumio
Sumio tracks your net worth and answers sixty-two built-in questions about your finances without manual balance sheet assembly. Your records stay stored on your device, with no account required and no ads.