Comparison

Money Focus vs Surplus

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Money Focus

Manage personal and business finances with this comprehensive app. Track accounts, create budgets, monitor bills, and generate detailed reports. Supports multiple profiles, currencies, and offers passcode protection for your financial data.

Highlights
  • Account transaction and balance tracking
  • Budget creation and tracking
  • Bill management with reminders
  • Income and expense tracking
  • Multiple profile support
  • Financial reports and charts
  • Passcode protection
Features
Read full description

A simple but comprehensive, brief and clear personal & business finance management app. Be good at managing money matters will make your life relaxed and well-organized. Check your Accounts transactions and balance; Check Transactions under a Category; Create Budgets and track transactions under them; Track income and expense Bills and make sure they are paid on time. View Transactions by date. It supports multiple profiles; you can track yours, family members or business finance separately. It can list your transaction by daily, weekly, monthly or yearly, and generate kinds of reports, so you can see clearly about your earnings and spending. Key Features: ⁃ Add a transaction with photo of receipt, payees, account, category, budget, check number, and date. ⁃ Track total accounts balance and balance of each account. ⁃ Check transactions of each account. ⁃ Create categories and sub-categories. ⁃ Check transactions and amounts under a category. ⁃ Create budgets and transaction their transactions. ⁃ Calendar and list view of bills. ⁃ Mark bills as fully or partially paid. ⁃ Create bills reminders to make sure they are paid on time. ⁃ Calendar and list view of Bills. ⁃ Track income and expense bills with or without a repeat cycle. ⁃ Show all transactions by daily, weekly, monthly and yearly. ⁃ Copy transaction to quick add a new one. ⁃ Hide or show cleared transactions. ⁃ Add repeat and one time transactions. ⁃ Mark transaction as cleared or not. ⁃ Dividing one transaction to multiple. ⁃ Built-in calculator or default keyboard to enter amount. ⁃ Check total accounts balance chart view. ⁃ Supports multiple currencies. ⁃ Search transactions by payee, category, account, amount or note. ⁃ Over view of recently finance status. ⁃ Nine finance reports. ⁃ Supports multiple groups, manage your personal, family member and business finance separately. ⁃ Passcode protection. ⁃ Share data by email. ⁃ Supports AirPrint. ⁃ iCloud backup and restore. ⁃ Dropbox backup and restore. ⁃ Create multiple reminders. ⁃ Refresh exchange rate or change them manually. ⁃ Supports Today Widget. ⁃ Supports Apple Watch. ⁃ Supports universal version (available on both iPhone and iPad). Payment: Payment will be charged to iTunes Account at confirmation of purchase. Subscribe semiannual. You will be charged in your local currency at the prevailing exchange rate as defined by iTunes." Purchase semiannual subscription for all features for USD$2.99. Auto Renew: Once subscribes, your account will be charged USD$2.99/semiannual, based on your previous subscription, for renewal within 24-hours before the end of the current period. Change Subscription Type: If you want to change your subscription type, Open the "Settings" app. Tap your name, then tap "Subscribe." Tap the name of the subscription you want to change. If different types of subscriptions are available, a list will be displayed. Tap the desired option.Tap "Buy". Share Subscription: If you want to share a subscription with family, please open the Settings app, tap your name and Subscriptions. Then tap the name of the subscription that you can share with family, scroll down and turn on Share with Family. Cancel Subscription: Subscriptions are managed by your Apple account and auto-renewal can be turned off at least 24 hours before the end of the current period, in Account Settings after purchase. By completing your subscription, you agree to app's Term of Use & Privacy Policy. Term of Use:https://www.thelinklinks.com/term.html Privacy Policy:https://www.thelinklinks.com/privacypolicy.html If you have any question or want to add more units, please email to linklinksapp@tom.com.

About

Surplus

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.

Highlights
  • Monthly income and expense tracking
  • Categorization of spending
  • Customizable reports with CSV export
  • Transaction grouping
  • Home and lock screen widgets
  • Automation via Shortcuts app
Features
Read full description

Surplus is a monthly expense tracker that takes into account your monthly income, expenses and upcoming payments to provide you with a clear overview of your leftover spend. -- Spend Wisely -- Know how much you have left to spend, including your subscriptions and installments. -- Profile Your Spend -- Categorize your expenses into meaningful groups that drive insights into your spend profile. This can include popular budgeting methods such as the “50/30/20 budget rule” or the “80/20 budget rule”. -- Adaptable Workflows -- Manual or automatic, easily sync and categorize transactions from all your accounts. -- Transaction Collections -- Group related transactions across buckets and time. They can be themed around trips, shared expenses or anything you'd like! -- Widgets -- Customize your home and lock screens with widgets that showcase your leftover spend, upcoming transactions and buckets. -- Interactive Reports -- Customizable reports for your historic and upcoming spend with support for CSV Export. -- Shortcuts -- Automate your expense tracking with actions configurable via the Shortcuts app. Examples include triggering an expense entry when leaving your favorite coffee shop or scheduling spend summaries on a daily, weekly or monthly basis. Actions can be run via Siri, Apple Watch and the Shortcuts app. -- Privately Synced with iCloud -- All financial data is stored on your device(s) and synced privately via your iCloud Account. We do not store any personal information or transaction data on our servers. Surplus is free to use with pro features that can be activated via in-app purchases. Surplus Pro can be purchased as a one time payment or as a recurring subscription. Current pricing and purchase offers are available in the app. By downloading and using Surplus you agree to our terms and conditions: Terms of Use https://surplus.app/terms Privacy Policy https://surplus.app/privacy Surplus is an indie app developed and maintained by Omar Inam. If you have any questions or feedback please feel free to contact me through Twitter @_oinam

Screenshots

Money Focus4 screens
Surplus4 screens

Verdict

The call

The clearest difference is rating: Surplus at 4.8 against Money Focus's 4.2. Surplus also leads on monetization model (free with in-app purchases vs subscription) and ads (none vs shown). On price, review sentiment, ratings volume and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money Focus sells 2 in-app purchases, starting at $2.99 per 6 months and Surplus sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Surplus holds the better App Store score, 4.8 against 4.2. Both are backed by a comparable volume of ratings — 72 and 28 respectively. Written reviews point the same way: 79% of Money Focus's written reviews are positive against 83% of Surplus's.

UpkeepUpdate frequency

Money Focus ships an update every 4 months, Surplus monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
Money Focus versus Surplus: the parameters behind the verdict, then further details
ParameterMoney FocusSurplus
PriceFreeFree
Rating4.2 (72 ratings)4.8 (28 ratings) — better
Positive reviews79.1% of reviews83.3% of reviews — better
Number of ratings72 — better28
Update frequencyEvery 4 monthsMonthly — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size46 MB67 MB
Age rating4+4+
DeveloperLINKLINKS LTDDev Harvest LLC

Customer experience

Money Focus

All ratings72 ratings
Positive81.9%
Neutral2.8%
Negative15.3%
Written reviews91 reviews
Positive79.1%
Neutral6.6%
Negative14.3%

Surplus

All ratings27 ratings
Positive96.3%
Neutral3.7%
Negative0.0%
Written reviews6 reviews
Positive83.3%
Neutral16.7%
Negative0.0%

Bugs and requests

Money Focus

Reported bugs

14 issues
  • Auto-fill for payers and payees not working after update 7.0
  • SALDI DEI CONTI and FLUSSO CONTANTI fields not working
  • QUEST’ANNO search not working
  • Decimal point not available in calculator
  • App crashes when updating category
Show 9 more
  • App crashes when selecting an account
  • App crashes immediately upon opening after iOS 14.2 update
  • Transactions disappear when clearing others
  • Dropbox crashes when selected
  • Email and print button not working
  • App crashes when putting in a new bill and choosing category
  • Data lost after app crash
  • Keyboard lost decimal point after update
  • Beneficiary/payer loading is very slow

Requested features

14 requests
  • Add decimal point/period to calculator
  • Add Arabic language support
  • Improve auto-fill for payers and payees
  • Add import functionality
  • Implement stack to add view money transactions and budget
Show 9 more
  • Add dark mode
  • Improve sync between devices
  • Allow splitting transactions across multiple budgets
  • Add money goal setting
  • Allow adding transactions from any page/account
  • Add account logos
  • Add different theme options
  • Improve budgeting module
  • Add tutorials for features

Surplus

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Money Focus

Subscriptions1
  • Premium - 6 months$2.996 Months
One-time1
  • Pro Version$4.99
4 purchases

Surplus

Subscriptions3
  • Surplus Pro Monthly$3.991 Month
  • Surplus Pro Yearly$14.491 Year
  • Surplus Pro Yearly$29.991 Year
One-time1
  • Surplus Pro Lifetime$29.99

Questions

Is Money Focus free?
Money Focus is free to download, with in-app purchases available.
Is Surplus free?
Surplus is free to download, with in-app purchases available.
Which has better reviews, Money Focus or Surplus?
Surplus is rated higher. Money Focus averages 4.2 out of 5 from 72 ratings, while Surplus averages 4.8 from 28 ratings.
Do Money Focus or Surplus have ads?
Money Focus shows ads; Surplus does not.
Which is updated more often, Money Focus or Surplus?
Money Focus ships an update every 4 months, and Surplus monthly. Most recently, Money Focus was updated on October 24, 2026 and Surplus on October 22, 2026.

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