Comparison

Pockity vs Surplus

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

Head to head
About

Pockity

This app offers a privacy-focused approach to personal budgeting and expense tracking. It encourages real-time data entry through habit formation and provides features like recurring expense management and currency conversion. Advanced features require a one-time purchase.

Highlights
  • Privacy-focused, on-device data storage
  • Real-time expense and budget tracking
  • Automatic recurring expenses
  • Lockscreen & Homescreen widgets
  • Siri Shortcuts integration
  • Receipt scanning
  • Currency conversion for 20+ currencies
Features
Read full description

Pockity is a privacy focused, simple, and personal budgeting and expense tracking app designed for iOS and iPadOS. Pockity is designed to use a habit forming pattern so users can track expenses and budgets in real-time, instead of doing bulk imports of data. Pockity+ is a one time purchase, required to create multiple accounts, categories, ledgers, and repeating entries. - automatic recurring expenses and one-day advance notifications - privacy focused, all your data is strictly stored on device and is only synced across devices via iCloud - Lockscreen & Homescreen widgets - Siri Shortcuts - Intuitive and delightful UI - Daily reminder notifications for adding expenses - **iPadOS** - Supports multi-window in split-view mode - Fully featured Stage Manager support - Trackpad and Keyboard support - Automatic Backups - Export data to CSV and JSON formats - Automatic Backups - Receipt scanning for quickly creating expense entries - Currency conversion across 20+ supported currencies. Exchange rates are updated thrice a day for accurate conversions. Policies: - Privacy: http://pockity.app/privacy/ - Terms: http://pockity.app/terms/

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

Pockity4 screens
Surplus4 screens

Verdict

The call

The clearest difference is review sentiment: Surplus at 83% against Pockity's 17%. Surplus also leads on rating (4.8 vs 3.6) and ratings volume (27 vs 7). Pockity's advantage is update cadence (every 9 days vs monthly). On price, ads, in-app purchases and monetization model 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. Pockity sells 9 in-app purchases, starting at $0.99 per month 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 3.6. Both are backed by a comparable volume of ratings — 7 and 27 respectively. Written reviews point the same way: 17% of Pockity's written reviews are positive against 83% of Surplus's.

UpkeepUpdate frequency

Pockity ships an update every 9 days, Surplus monthly. The most recent releases landed on September 13, 2026 and June 4, 2026 respectively.

Scorecard5 real differences · 5 level
Pockity versus Surplus: the parameters behind the verdict, then further details
ParameterPockitySurplus
PriceFreeFree
Rating3.6 (7 ratings)4.8 (27 ratings) — better
Positive reviews16.7% of reviews83.3% of reviews — better
Number of ratings727 — better
Update frequencyEvery 9 days — betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad, iPod
Requires iOS26.015.0 — better
Further details — not scored
Size49 MB67 MB
Age rating4+4+
DeveloperNikhil NigadeDev Harvest LLC

Customer experience

Pockity

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews6 reviews
Positive16.7%
Neutral16.7%
Negative66.7%

Surplus

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

In-app purchases

9 purchases

Pockity

Subscriptions1
  • Monthly Tip$0.991 Month
One-time8
  • Small Tip$0.99
  • Medium Tip$1.99
  • Large Tip$2.99
Show 5 more
  • Pockity+ Family Upgrade$5.99
  • Pockity+$14.99
  • Pockity+$19.99
  • Pockity+ for Family$24.99
  • Pockity+ Family$25.00
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 Pockity free?
Pockity 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, Pockity or Surplus?
Surplus is rated higher. Pockity averages 3.6 out of 5 from 7 ratings, while Surplus averages 4.8 from 27 ratings.
Do Pockity or Surplus have ads?
Neither Pockity nor Surplus shows ads.
Which is updated more often, Pockity or Surplus?
Pockity ships an update every 9 days, and Surplus monthly. Most recently, Pockity was updated on September 13, 2026 and Surplus on June 4, 2026.

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