diff --git a/changelog/fix_make_performance_sum_aware_of_safe_navigation_operator.md b/changelog/fix_make_performance_sum_aware_of_safe_navigation_operator.md
new file mode 100644
index 0000000000..fd6fe79f55
--- /dev/null
+++ b/changelog/fix_make_performance_sum_aware_of_safe_navigation_operator.md
@@ -0,0 +1 @@
+* [#401](https://github.com/rubocop/rubocop-performance/issues/401): Make `Performance/Sum` aware of safe navigation operator. ([@koic][])
diff --git a/lib/rubocop/cop/performance/sum.rb b/lib/rubocop/cop/performance/sum.rb
index a9cc9ab17e..8662081e0d 100644
--- a/lib/rubocop/cop/performance/sum.rb
+++ b/lib/rubocop/cop/performance/sum.rb
@@ -80,21 +80,21 @@ class Sum < Base
         RESTRICT_ON_SEND = %i[inject reduce sum].freeze
 
         def_node_matcher :sum_candidate?, <<~PATTERN
-          (send _ ${:inject :reduce} $_init ? ${(sym :+) (block_pass (sym :+))})
+          (call _ ${:inject :reduce} $_init ? ${(sym :+) (block_pass (sym :+))})
         PATTERN
 
         def_node_matcher :sum_map_candidate?, <<~PATTERN
-          (send
+          (call
             {
-              (block $(send _ {:map :collect}) ...)
-              $(send _ {:map :collect} (block_pass _))
+              (block $(call _ {:map :collect}) ...)
+              $(call _ {:map :collect} (block_pass _))
             }
           :sum $_init ?)
         PATTERN
 
         def_node_matcher :sum_with_block_candidate?, <<~PATTERN
           (block
-            $(send _ {:inject :reduce} $_init ?)
+            $(call _ {:inject :reduce} $_init ?)
             (args (arg $_acc) (arg $_elem))
             $send)
         PATTERN
@@ -110,6 +110,7 @@ def on_send(node)
           handle_sum_candidate(node)
           handle_sum_map_candidate(node)
         end
+        alias on_csend on_send
 
         def on_block(node)
           sum_with_block_candidate?(node) do |send, init, var_acc, var_elem, body|
@@ -143,7 +144,7 @@ def handle_sum_map_candidate(node)
           sum_map_candidate?(node) do |map, init|
             next if node.block_literal? || node.block_argument?
 
-            message = build_sum_map_message(map.method_name, init)
+            message = build_sum_map_message(map, init)
 
             add_offense(sum_map_range(map, node), message: message) do |corrector|
               autocorrect_sum_map(corrector, node, map, init)
@@ -178,7 +179,7 @@ def autocorrect_sum_map(corrector, sum, map, init)
 
           corrector.remove(sum_range)
 
-          dot = '.' if map.receiver
+          dot = map.loc.dot&.source || ''
           corrector.replace(map_range, "#{dot}#{replacement}")
         end
 
@@ -205,10 +206,11 @@ def build_method_message(node, method, init, operation)
           format(msg, good_method: good_method, bad_method: bad_method)
         end
 
-        def build_sum_map_message(method, init)
+        def build_sum_map_message(send_node, init)
           sum_method = build_good_method(init)
           good_method = "#{sum_method} { ... }"
-          bad_method = "#{method} { ... }.#{sum_method}"
+          dot = send_node.loc.dot&.source || '.'
+          bad_method = "#{send_node.method_name} { ... }#{dot}#{sum_method}"
           format(MSG, good_method: good_method, bad_method: bad_method)
         end
 
diff --git a/spec/rubocop/cop/performance/sum_spec.rb b/spec/rubocop/cop/performance/sum_spec.rb
index 1cc9277c12..bc6549e561 100644
--- a/spec/rubocop/cop/performance/sum_spec.rb
+++ b/spec/rubocop/cop/performance/sum_spec.rb
@@ -13,6 +13,17 @@
       RUBY
     end
 
+    it "registers an offense and corrects when using `array&.#{method}(10, :+)`" do
+      expect_offense(<<~RUBY, method: method)
+        array&.#{method}(10, :+)
+               ^{method}^^^^^^^^ Use `sum(10)` instead of `#{method}(10, :+)`.
+      RUBY
+
+      expect_correction(<<~RUBY)
+        array&.sum(10)
+      RUBY
+    end
+
     it "registers an offense and corrects when using `array.#{method}(10) { |acc, elem| acc + elem }`" do
       expect_offense(<<~RUBY, method: method)
         array.#{method}(10) { |acc, elem| acc + elem }
@@ -24,6 +35,17 @@
       RUBY
     end
 
+    it "registers an offense and corrects when using `array&.#{method}(10) { |acc, elem| acc + elem }`" do
+      expect_offense(<<~RUBY, method: method)
+        array&.#{method}(10) { |acc, elem| acc + elem }
+               ^{method}^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Use `sum(10)` instead of `#{method}(10) { |acc, elem| acc + elem }`.
+      RUBY
+
+      expect_correction(<<~RUBY)
+        array&.sum(10)
+      RUBY
+    end
+
     it "registers an offense and corrects when using `array.#{method}(10) { |acc, elem| elem + acc }`" do
       expect_offense(<<~RUBY, method: method)
         array.#{method}(10) { |acc, elem| elem + acc }
@@ -342,6 +364,17 @@
       RUBY
     end
 
+    it "registers an offense and corrects when using `array&.#{method} { |elem| elem ** 2 }&.sum`" do
+      expect_offense(<<~RUBY, method: method)
+        array&.%{method} { |elem| elem ** 2 }&.sum
+               ^{method}^^^^^^^^^^^^^^^^^^^^^^^^^^ Use `sum { ... }` instead of `%{method} { ... }&.sum`.
+      RUBY
+
+      expect_correction(<<~RUBY)
+        array&.sum { |elem| elem ** 2 }
+      RUBY
+    end
+
     it "registers an offense and corrects when using `array.#{method}(&:count).sum`" do
       expect_offense(<<~RUBY, method: method)
         array.%{method}(&:count).sum
@@ -353,6 +386,17 @@
       RUBY
     end
 
+    it "registers an offense and corrects when using `array&.#{method}(&:count)&.sum`" do
+      expect_offense(<<~RUBY, method: method)
+        array&.%{method}(&:count)&.sum
+               ^{method}^^^^^^^^^^^^^^ Use `sum { ... }` instead of `%{method} { ... }&.sum`.
+      RUBY
+
+      expect_correction(<<~RUBY)
+        array&.sum(&:count)
+      RUBY
+    end
+
     it "registers an offense and corrects when using `#{method}(&:count).sum`" do
       expect_offense(<<~RUBY, method: method)
         %{method}(&:count).sum