Comparison

Spend vs Surplus

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

Head to head
About

Spend

This app helps you organize and track your expenses, receipts, and budgets. It offers various views like calendar, summary, and map, and can automatically download transactions from your bank and Apple Card.

Highlights
  • Expense tracking
  • Receipt organization
  • Budget management
  • Calendar, summary, map views
  • Automatic bank transaction download
  • Apple Card transaction download
  • Transaction export
Features
Read full description

See exactly where your money goes. Spend-Trend helps you organize expenses, import bank and Apple Card transactions, attach receipts, and understand your spending through calendar, chart, and map views. Track spending with less effort: Import transactions from supported banks and Apple Card, or quickly enter an expense yourself. Understand your habits: Explore monthly totals, category trends, calendar views, charts, and maps. Keep everything organized: Create custom categories, attach receipts and notes, search transactions, and export your records. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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

Spend4 screens
Surplus4 screens

Verdict

The call

The clearest difference is review sentiment: Surplus at 83% against Spend's 33%. Surplus also leads on rating (4.8 vs 4.6) and iOS requirement (15.0 vs 17.6). Spend's advantage is update cadence (every 5 days vs monthly). On price, ratings volume, ads 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. Spend sells 2 in-app purchases, starting at $4.99 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 4.6. Both are backed by a comparable volume of ratings — 21 and 27 respectively. Written reviews point the same way: 33% of Spend's written reviews are positive against 83% of Surplus's.

UpkeepUpdate frequency

Spend ships an update every 5 days, Surplus monthly. The most recent releases landed on October 15, 2026 and October 5, 2026 respectively.

Scorecard4 real differences · 6 level
Spend versus Surplus: the parameters behind the verdict, then further details
ParameterSpendSurplus
PriceFreeFree
Rating4.6 (21 ratings)4.8 (27 ratings) — better
Positive reviews33.3% of reviews83.3% of reviews — better
Number of ratings2127 — better
Update frequencyEvery 5 days — betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.615.0 — better
Further details — not scored
Size50 MB67 MB
Age rating4+4+
DeveloperVIJAY CHINTADev Harvest LLC

Customer experience

Spend

All ratings21 ratings
Positive85.7%
Neutral9.5%
Negative4.8%
Written reviews6 reviews
Positive33.3%
Neutral33.3%
Negative33.3%

Surplus

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

In-app purchases

2 purchases

Spend

Subscriptions1
  • Monthy Subscription2 Months trial$4.991 Month
One-time1
  • Pro Upgrade$8.99
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 Spend free?
Spend 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, Spend or Surplus?
Surplus is rated higher. Spend averages 4.6 out of 5 from 21 ratings, while Surplus averages 4.8 from 27 ratings.
Do Spend or Surplus have ads?
Neither Spend nor Surplus shows ads.
Which is updated more often, Spend or Surplus?
Spend ships an update every 5 days, and Surplus monthly. Most recently, Spend was updated on October 15, 2026 and Surplus on October 5, 2026.

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