# Surplus Money — Days of cover, not budgets > Days of cover, not budgets (iPhone/iPad app by ENSO Ventures S.a.r.l. - S.) - Source: https://appshunter.io/ios/app/surplus-money/id6757983824 (this page in markdown: same URL + `.md`) - Developer: [ENSO Ventures S.a.r.l. - S](https://appshunter.io/developer/1814552291) - Category: Finance, Lifestyle - Price: Free - Age rating: 4+ - Requires: iOS 16.0 · 69 MB - Languages: American English - Released: 2026-04-29 - Data updated: 2026-08-24 - User reviews in markdown: https://appshunter.io/ios/app/surplus-money/id6757983824/reviews.md ## What is Surplus Money? Your bank balance is a number without meaning. Surplus turns it into the one that matters: how many days your household could keep going if income stopped tomorrow. That number is your Buffer. Founders run companies on it — they call it runway. Surplus brings it home. NOT ANOTHER BUDGETING APP Most budgeting apps are abandoned within weeks: one category goes red, guilt sets in, the app gets deleted. Surplus has no envelopes, no red warnings, no judgement. Every euro in extends your days of cover; every euro out shortens them. It's physics, not a verdict — and that's why it sticks. ONE SHARED NUMBER FOR YOUR HOUSEHOLD Almost half of couples avoid money conversations just to keep the peace. Surplus replaces the conversation with a number you both trust: your partner joins with a code and sees the same Buffer, live. No spreadsheets, no monthly summit, no surprises. NO BANK LOGIN. EVER. Photograph any bank statement — any bank, any country, any currency — and Surplus reads the transactions in seconds. No credentials to hand over, no aggregator in the middle, no "reconnect your account" loop. Photos are processed, then deleted. Your bank details never leave your bank. SEE WHAT QUIETLY ERODES YOUR POSITION • Locked income: how much of your pay is already committed before you make a single choice • Recurring cost drift: which standing payments are creeping upward, and what that costs you in days of cover ALWAYS KNOW WHERE YOU STAND • Home screen widget with your live Surplus — no need to open the app • Next month projected today, from your own typical month • Calculators for the real decisions: pay down the loan, build the buffer, or invest? SUBSCRIPTION Set up in under 5 minutes, see your real Buffer, then decide — 7-day free trial. One subscription covers your entire household. PRIVACY No ads. No data selling. Export everything or delete everything, any time. Surplus Money is an information tool only and does not provide financial or investment advice. Subscription Terms Payment will be charged to your Apple ID account at confirmation of purchase. Surplus Money Premium automatically renews unless auto-renew is turned off at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the price shown at time of purchase. Subscriptions can be managed and auto-renewal turned off in your App Store account settings after purchase. Any unused portion of a free trial, if offered, will be forfeited if you purchase a subscription. Terms and policies: • Privacy Policy: https://ensoventures.org/surplus/privacy/ • Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Version history (last 5 releases) ### 1.1.1 — 2026-08-18 Improved calculation for Buffer changes Improved handling of transfers Enhanced merchant mapping to predict transaction categories ### 1.1.0 — 2026-06-12 This update rebuilds the intelligence behind your Insights tab from the ground up. SMARTER SIGNALS • Recurring payments are now recognised far more reliably — direct debits and standing orders are identified from the bank reference itself, so insurance, loans, and subscriptions no longer hide behind cryptic references • Locked income: see how much of your pay is already committed before you make a single choice — and exactly what's locking it • Recurring cost drift: Surplus notices when standing payments creep upward, and shows what that costs you in days of cover • Every signal states its confidence plainly: Active when the data is ready, Gathering while it builds. No guessing, no false precision YOU STAY IN CONTROL • Quick calibration: confirm how flexible your big recurring payments are in a couple of taps — your answers always outrank our inference • Review or reclassify any merchant at any time in Settings → Merchant Classifications SHARPER IMPORTS • Statement photo import reads more banks and more layouts, more accurately • Better merchant recognition and category suggestions on imported transactions Plus smaller fixes and refinements throughout. ### 1.0.4 — 2026-05-14 Minor bug fixes ### 1.0.2 — 2026-05-05 Improved account sync ### 1.0.1 — 2026-05-02 Enhanced Insights Improved subscription verification reliability across devices / household and subscription transfers Minor Bug Fixes ## More apps by ENSO Ventures S.a.r.l. - S - [My 12-Step Coach](https://appshunter.io/ios/app/my-12-step-coach/id6745933869) - [Coffee Smarts](https://appshunter.io/ios/app/coffee-smarts/id6770059943) - [Whisky Smarts](https://appshunter.io/ios/app/whisky-smarts/id6775210451) - [Olive!](https://appshunter.io/ios/app/olive/id6775229361) All apps by ENSO Ventures S.a.r.l. - S: https://appshunter.io/developer/1814552291 --- *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 2026-08-24.*