Surplus: Expense Tracker

Surplus: Expense Tracker

Track Your Monthly Spend

27 ratings
6 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 3, 2021
  • January 12, 2026

Features

Surplus: Expense Tracker screenshot #1 for iPhone
Surplus: Expense Tracker screenshot #2 for iPhone
Surplus: Expense Tracker screenshot #3 for iPhone
Surplus: Expense Tracker screenshot #4 for iPhone
Surplus: Expense Tracker screenshot #5 for iPhone
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About

This app helps you manage your monthly finances by tracking income, expenses, and upcoming payments. It provides insights into your spending habits, categorizes transactions, and offers customizable reports. Sync your accounts automatically or manually for a clear overview of your leftover spend.

Monthly income and expense tracking
Categorization of spending
Customizable reports with CSV export
Transaction grouping
Home and lock screen widgets
Automation via Shortcuts app
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What's New in Surplus

2.9.0

January 12, 2026

- Bug fixes

Subscription plans

Surplus Pro Monthly

Access to all pro features, charged monthly

$3.991 Month
How to cancel Surplus subscription ⁉️
4

In-App Purchases

$29.99

Surplus Pro Lifetime

Lifetime access to all pro features

User reviews

Simplistic Budgeting App with the Potential for better

Great app offering a simpler budgeting style aligning with what I needed. Needs the ability to sync data with partner (by using a login and shared link feature) , and the ability to set a date for a reoccurring monthly income. If those two things could be added, it would be 5 stars all around!

Perfect. Minimalism yet Playful

Such a fantastic app you got there mate. I really was just looking for a very minimalistic, simple yet playful app to just manually track my finances. And your app was just perfect. I’m loving it. Please keep it that way and make strategic updates. It’s really really good. Thank you so 👌🏾🙏🏾 UPDATE Fantastic app.

Please I need the Circular graphic for the Spend Profile on the Summary page be put back. I recently noticed it has been changed to a Bar Chart for each Bucket Category. May be let users have the option of choosing which they want.
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Perfect. Minimalism yet Playful

Such a fantastic app you got there mate. I really was just looking for a very minimalistic, simple yet playful app to just manually track my finances. And your app was just perfect. I’m loving it. Please keep it that way and make strategic updates. It’s really really good. Thank you so 👌🏾🙏🏾

UPDATE
Fantastic app. Please I need the Circular Graphic for the Spend Profile on the Summary page be put back. I recently noticed it has been changed to a Bar Chart for each Bucket Category. May be let users have the option of choosing which they want because personally If I want to look at the Bar Chart I’ll visit the Monthly Report page to get that
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Response from developer

Hello 👋 Thank you for the delightful review. Glad to hear that you are enjoying the app’s simple yet flexible approach to tracking finances. Hoping to put together some exciting new features soon! If you end up having any suggestions, you can always reach out to me on here or via the app.

Amazing App!

Great and very user friendly app! It has done wonders with keeping my expenses in one place while taking into account my upcoming monthly transactions. The surplus widget is a very helpful visual, and it keeps me on track. The buckets are also a great bonus at allowing me to assign specific budgets. Highly recommend it!!
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Great app for tracking expenses

This is the first expense tracking app I found that actually helped me focus on what matters; not overspending! I love how all my recurring payments and subscriptions are factored in at the start of every month. The left to spend widget is just what I was looking for! My budgets never end up working out like I expect so knowing how much money I have left without overspending keeps me motivated.

Other budgeting and trackings apps had too many categories and charts that didn’t really help me. This app makes it really simple to visualize where my money is going by grouping my expenses into needs, wants and savings buckets. The emoji and color customization is a nice touch.

If you had trouble staying on track with other apps I suggest giving this one a try!
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Developer apps

FAQ

What is Surplus?

Surplus is a monthly expense tracker designed to give you a clear overview of your leftover spend by accounting for your income, expenses, and upcoming payments. It helps you understand your spending profile and manage your money more effectively.

How does Surplus help me spend wisely?

Surplus shows you exactly how much money you have left to spend each month, including amounts allocated for subscriptions and installments. This awareness helps you make informed decisions about your discretionary spending.

Can I categorize my expenses in Surplus?

Yes, you can profile your spend by categorizing expenses into meaningful groups. This feature supports popular budgeting methods like the '50/30/20 budget rule' or the '80/20 budget rule' to drive insights into your spending patterns.

Does Surplus offer automatic transaction syncing?

Surplus supports adaptable workflows, allowing for both manual entry and automatic syncing of transactions from your accounts. This makes it easy to keep your financial data up-to-date.

What kind of reports does Surplus provide?

Surplus offers interactive and customizable reports for both your historic and upcoming spend. These reports can be exported to CSV format, allowing for further analysis.

How does Surplus handle data privacy and syncing?

All financial data is stored on your device and synced privately via your iCloud Account. Surplus does not store any personal information or transaction data on its servers, ensuring your privacy.

What are the pricing options for Surplus Pro?

Surplus is free to use with optional pro features available through in-app purchases. You can purchase Surplus Pro as a one-time payment or as a recurring subscription, with current pricing details available within the app.

Is Surplus available on multiple devices?

Yes, Surplus is supported on iPhone, iPad, and iPod. Your financial data is synced privately via iCloud, allowing you to access it across your Apple devices.