Most personal finance sites assume you already have good habits, a steady paycheck, and the patience for spreadsheets. We built 1776 Capital Management for everyone else.
Our flagship product, Sum, is a mobile app that turns budgeting, saving, and net worth tracking into something you'll actually stick with — using gamified progress, clear visuals, and real incentives instead of guilt and jargon.
Alongside the app, we publish ongoing research and writing on the financial topics that matter most: building wealth without a six-figure salary, understanding the psychology behind spending, and making smart decisions with the money you already have.
We believe financial progress shouldn't require a finance degree. It should just require the right tool and a little momentum.
Track everything that matters — without the spreadsheet.
Featured reads: