# Money Focus vs Surplus

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.

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.

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.

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

## The numbers

| Metric | Money Focus | Surplus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (72 ratings)](https://appshunter.io/ios/app/money-focus/id1190195502/reviews) | **[4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** |
| Number of ratings | **72** | 28 |
| Positive reviews | 79.1% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Subscription | **Free with in-app purchases** |
| Size | 46 MB | 67 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) |

## What reviewers say

### Money Focus

[App page](https://appshunter.io/ios/app/money-focus/id1190195502)

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:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 6 months | $2.99 | per 6 months |
| Pro Version | $4.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💰 Great for tracking expenses
- 📈 Excellent for planning and organization
- 🗄️ Comprehensive features
- 📊 Useful reporting options

**What reviewers complain about**

- 🐛 Frequent crashes
- 💸 Ads in free version
- 📉 Confusing budgeting module
- 🔄 Issues after updates
- ⚠️ Data loss reported

**Reported bugs**

- 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

**Requested features**

- 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


### Surplus

[App page](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881)

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:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Surplus Pro Monthly | $3.99 | per month |
| Surplus Pro Yearly | $14.49 | per year |
| Surplus Pro Yearly | $29.99 | per year |
| Surplus Pro Lifetime | $29.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*