# Surplus Budget & Money Tracker — Expense Tracker & Budget App

> Comprehensive personal finance tracker for spending, savings, debt, and net worth. (iPhone/iPad app by George Matthew Shalhoub.)

- Source: https://appshunter.io/ios/app/surplus-budget-and-money-tracker/id6756902238 (this page in markdown: same URL + `.md`)
- Developer: [George Matthew Shalhoub](https://appshunter.io/developer/1863580376)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.60/5 from 10 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.4 · 43 MB
- Languages: English
- Released: 2026-03-05
- Data updated: 2026-07-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/surplus-budget-and-money-tracker/id6756902238/reviews.md

## What is Surplus Budget & Money Tracker?

You're not financially free until you have clarity.

Surplus Budget is a budget tracker, money tracker, expense tracker, cash flow app, and net worth tracker built to bring your full personal finance picture into one place. Track spending, savings, debt, recurring bills, investments, crypto, real estate, vehicles, collectibles, and more so you can see what's safe to spend, what's left to keep, and how every part of your money fits together.

SEE YOUR FULL FINANCIAL PICTURE

Most finance apps show only part of the story. Surplus helps you see where you really stand.

- Track spending, savings, debt, cash flow, and net worth in one app
- Add banking, credit cards, investments, crypto, real estate, vehicles, collectibles, and more
- See everything you own and owe together instead of piecing it together across multiple apps

KNOW WHAT'S SAFE TO SPEND. SEE WHAT'S LEFT TO KEEP.

Surplus is built around the number that matters most: what you're actually keeping each month.

- See fixed, variable, and flexible expenses in one clear budget
- Understand what you can safely spend without losing track of your goals
- See what's left to save, pay off debt, or put toward your future

BUDGETING THAT DOESN'T FEEL LIKE A SECOND JOB

Surplus keeps your money tracker and budget current so you spend less time maintaining it.

- Transactions can import automatically through connected accounts
- Smart categorization learns how you organize spending over time
- Your budget, recurring totals, and cash flow update in real time
- Edit categories, split transactions, and stay in control when you want to

KNOW WHAT'S COMING BEFORE IT HITS

Surplus helps you stay ahead of your money instead of reacting after the fact.

- Track recurring income and bills with accurate monthly impact
- See positive and negative cash flow before the month gets away from you
- Plan for savings goals, debt payoff, and upcoming expenses with more confidence

ONE HUB FOR PERSONAL FINANCE

Surplus is built to be your central hub for personal finance management, not just another spending tracker.

- Budgeting, expense tracking, debt tracking, savings, cash flow, and net worth in one place
- Banking, investments, crypto, real estate, vehicles, and other assets together in one clear view
- One personal finance app for understanding what you spend, what you keep, and where you're headed

FEATURE AVAILABILITY BY REGION

Features vary by country.

- United States: Full Surplus experience, including investments and live property value tracking
- Canada: Bank connection and budgeting features are available. Investments and live property value tracking are not currently available
- Europe: Bank connection and budgeting features are available. Investments and live property value tracking are not currently available

WHY PEOPLE USE SURPLUS

- Full financial picture in one app
- Clear view of what's safe to spend and what's left to keep
- Budget tracker, expense tracker, cash flow app, and net worth tracker in one place
- Less manual work, more clarity, and better financial decisions

Privacy Policy: https://www.surplus-budget.com/privacy
Terms of Service: https://www.surplus-budget.com/terms

## Key features

- All-in-one financial picture
- Track spending, savings, and debt
- Monitor investments and assets
- Real-time budget updates
- Automated transaction import
- Cash flow forecasting

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Surplus Monthly | $14.99 | per month |
| Surplus Yearly | $99.99 | per year |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/surplus-budget-and-money-tracker/id6756902238/reviews.md

### 5/5 — Big Fan. Amazing Money Tracker.

*2026-04-02*

I am an entrepreneur and business guy and don’t have time to waste on finance apps. But I do need to track my spending and keep an eye on where me and my family are.

Surplus did a great job helping me. Took me about an hour one night to import my transactions, link my reoccurrings, and bulk categorize my history, but their AI learning features completely picked up on my behavior and took over from there.

Now, I literally refresh the page and see my number and know exactly where I am for the month. Which helps keep me on track so I hit saving and investing goals instead of burning capital on wasted spending.

⭐️⭐️⭐️⭐️⭐️ — plan on being a lifetime customer

### 5/5 — Best finance app I’ve tried so far

*2026-04-02*

I’ve tried so many other budgeting apps and Surplus is by far the easiest and most beautiful option by far. It’s removed so much stress from my life and saved me so much time in tracking how much I’m spending and knowing how much I have left over. It’s amazing how having simple visibility and a system that does the work for you can change your life… I went from scratching my head wondering where my money was going to literally saving hundreds a month. Surplus team — thank you!!!

### 5/5 — All my data in one place

*2026-03-31*

This app is easy to use, and easy to set up. I now see a complete picture of my finances instantly which is helping me save and plan better. Love this app!! Better than all others I have tried.

**Developer response:** Thanks! Glad you have enjoyed the experience. We've worked very hard to make it the best all-in-one personal finance app on the market!

## Frequently asked questions about Surplus Budget & Money Tracker

### What is Surplus Budget & Money Tracker?

Surplus Budget & Money Tracker is a personal finance app designed to provide a complete overview of your financial life. It helps you track spending, savings, debt, investments, and net worth all in one place.

### How does Surplus Budget & Money Tracker handle my financial data?

The app allows for automatic transaction import through connected accounts, and smart categorization learns your spending habits over time. You can also manually edit categories and split transactions for greater control.

### What financial accounts can I connect to Surplus Budget & Money Tracker?

You can connect banking, credit cards, investments, crypto, real estate, and vehicles. Feature availability may vary by region, with the full experience available in the United States.

### Does Surplus Budget & Money Tracker have ads?

Yes, Surplus Budget & Money Tracker contains advertisements.

### What are the subscription options for Surplus Budget & Money Tracker?

Surplus offers a 'Surplus Monthly' plan for $14.99 and a 'Surplus Yearly' plan for $99.99, which includes a 1-month free trial.

### Is Surplus Budget & Money Tracker available on all devices?

Surplus Budget & Money Tracker is currently supported on iPhone and iPad devices.

### How often is Surplus Budget & Money Tracker updated?

The app was last updated on May 16, 2026, with the latest version being 1.3.8, indicating regular maintenance and feature additions.

### What is the age rating for Surplus Budget & Money Tracker?

Surplus Budget & Money Tracker has an age rating of 4+, making it suitable for a wide range of users.

## Version history (last 5 releases)

### 1.3.8 — 2026-05-16

Bug fixes.

### 1.3.7 — 2026-05-09

Bug fixes.

### 1.2.1 — 2026-03-17

Bug fixes.

### 1.2 — 2026-03-16

New feature: Checking account projections to prevent over-drafting, suggested by one of our users. Additional bug fixes and general improvements.

### 1.1.3 — 2026-03-13

Bug fixes and improvements to onboarding flow.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-31.*