Comparison

The Prax vs Surplus

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

Head to head
About

The Prax

This app helps you track daily spending and manage budgets with friends and family. It offers real-time collaboration, receipt photo storage, and international currency support. See your daily left-to-spend amount and make informed spending decisions.

Highlights
  • Create unlimited budgets (monthly, weekly, custom)
  • Real-time collaboration with friends and family
  • Track daily left-to-spend amounts
  • Store receipt photos and add notes/emojis
  • International currency support
  • Tag transactions on a map
Read full description

Featured by Apple in “New Apps We Love” and reached #1 in Finance. A simple, and sleek budgeting app that keeps track of all your daily spending and shows a daily left-to-spend amount. CREATE & TRACK BUDGETS •Create as many budgets as you want, Monthly, Weekly or Custom. We don’t limit you! See how much you have left Daily, Weekly and Overall. INTERNATIONAL CURRENCIES •Choose from dozens of currencies. COLLABORATE •You can invite your friends or family members to collaborate in real time on your budgets by sending them a link. Everyone that participates in your budget or tracker can see changes and progress as they’re made. CUSTOMIZED TO YOUR NEEDS •Take a picture of receipts, lists, or any item you need and store them with your spendings. Feel free to add notes or emojis as your budget icons. You can also tag your transactions on the map and view it in your budgets at any time. TIP JAR •We don't charge for any premium features so we appreciate a tip in Settings page. Feel like doing a spontaneous buy or want to grab some lunch with friends but need to know if you have enough? Open The Prax to see how much you can splurge.

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

The Prax4 screens
Surplus4 screens

Verdict

The call

The clearest difference is iOS requirement: The Prax at 13.0 against Surplus's 15.0. On price, rating, review sentiment and ratings volume 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. The Prax sells 5 one-off in-app purchases 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

On the App Store both sit at effectively the same score — 4.8 for The Prax against 4.8 for Surplus. Both are backed by a comparable volume of ratings — 53 and 28 respectively. Written reviews are what separate them: 82% of The Prax's written reviews are positive against 83% of Surplus's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 9 level
The Prax versus Surplus: the parameters behind the verdict, then further details
ParameterThe PraxSurplus
PriceFreeFree
Rating4.8 (53 ratings)4.8 (28 ratings) — better
Positive reviews81.8% of reviews83.3% of reviews — better
Number of ratings53 — better28
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size19 MB67 MB
Age rating4+4+
DeveloperThe Prax, LLCDev Harvest LLC

Customer experience

The Prax

All ratings53 ratings
Positive96.2%
Neutral0.0%
Negative3.8%
Written reviews22 reviews
Positive81.8%
Neutral9.1%
Negative9.1%

Surplus

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

In-app purchases

5 purchases

The Prax

One-time5
  • Tip Jar Treat$1.99
  • Tip Jar Pizza$2.99
  • Tip Jar Snacks$9.99
Show 2 more
  • Tip Jar Lunch$19.99
  • Tip Jar Innovation$99.99
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 The Prax free?
The Prax 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, The Prax or Surplus?
Surplus is rated higher. The Prax averages 4.8 out of 5 from 53 ratings, while Surplus averages 4.8 from 28 ratings.
Do The Prax or Surplus have ads?
Neither The Prax nor Surplus shows ads.
Which is updated more often, The Prax or Surplus?
The Prax ships an update monthly, and Surplus monthly. Most recently, The Prax was updated on October 24, 2026 and Surplus on October 30, 2026.

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