# Spend vs Surplus

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.

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.

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.

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

## The numbers

| Metric | Spend | Surplus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (21 ratings)](https://appshunter.io/ios/app/spend-trend-spending-tracker/id1528115172/reviews) | **[4.8 (27 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** |
| Number of ratings | 21 | **27** |
| Positive reviews | 33.3% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Monthly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 50 MB | 67 MB |
| Requires iOS | 17.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [VIJAY CHINTA](https://appshunter.io/developer/1528115174) | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) |

## What reviewers say

### Spend

[App page](https://appshunter.io/ios/app/spend-trend-spending-tracker/id1528115172)

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:** Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthy Subscription | $4.99 | per month |
| Pro Upgrade | $8.99 | 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*