# Bills io vs Surplus

Bills io and Surplus both sit at 4.7 stars, but that hides the real split: 83% of Surplus's written reviews are positive against 74% of Bills io's. Surplus also leads on iOS requirement (15.0 vs 26.0). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Bills io sells 3 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.

On the App Store both sit at effectively the same score — 4.7 for Bills io against 4.8 for Surplus. Both are backed by a comparable volume of ratings — 34 and 27 respectively. Written reviews are what separate them: 74% of Bills io's written reviews are positive against 83% of Surplus's.

Bills io ships an update every 6 weeks, Surplus monthly. The most recent releases landed on September 18, 2026 and June 4, 2026 respectively.

## The numbers

| Metric | Bills io | Surplus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (34 ratings)](https://appshunter.io/ios/app/bills-io-subscription-tracker/id1499730119/reviews) | **[4.8 (27 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** |
| Number of ratings | **34** | 27 |
| Positive reviews | 73.7% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 45 MB | 67 MB |
| Requires iOS | 26.0 | **15.0** |
| Devices | iPhone, iPad, Mac | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Studio Ember LLC](https://appshunter.io/developer/1499730118) | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) |

## What reviewers say

### Bills io

[App page](https://appshunter.io/ios/app/bills-io-subscription-tracker/id1499730119)

Organize and track all your recurring and one-off expenses with this privacy-focused finance app. Get timely notifications for upcoming bills and analyze your spending patterns. Data syncs securely across your Apple devices via iCloud.

**Highlights:** Organize bills with tags, Track expenses by account, Log payment history, Export data to Excel/Numbers, Receive bill notifications, Sync across Apple devices

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium (1 Month) | $0.99 | per month |
| Premium (1 Year) | $9.99 | per year |
| Premium (Lifetime) | $39.99 | one-time |


### 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 Bills io free?

Bills io 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, Bills io or Surplus?

Surplus is rated higher. Bills io averages 4.7 out of 5 from 34 ratings, while Surplus averages 4.8 from 27 ratings.

### Do Bills io or Surplus have ads?

Neither Bills io nor Surplus shows ads.

### Which is updated more often, Bills io or Surplus?

Bills io ships an update every 6 weeks, and Surplus monthly. Most recently, Bills io was updated on September 18, 2026 and Surplus on June 4, 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.*