Comparison

Tiny Savings vs Surplus

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

Head to head
About

Tiny Savings

Easily track your spending and expenses across various categories with beautiful, intuitive charts. Set budgets and identify areas where you're over or under spending to gain complete control of your finances.

Highlights
  • Spending and expense tracking
  • Categorization of expenses
  • Budget setting
  • Intuitive charts and reports
  • Passcode/FaceID app lock
  • Personalized categories
Features
Read full description

Imagine always noticing at the end of each month that your account balance has unknowingly increased, making you feel like you keep getting closer to your goal of buying yourself a birthday present. With Tiny Savings, it is a cinch to be possible. Tiny Savings tracks all your spendings and expenses in different categories and reorganizes them in intuitive and beautiful charts so you know exactly where your money is going. Compare them to your budget, you can easily spot where you are spending too much and where you are spending well under expectation. Most importantly, you will have a feeling that you have never had before, that everything and every penny is just right under your control. # KEY FEATURES # * lock the app with a passcode or FaceID * personalized categories * categories with or without budgets * intuitive, well-polished and elegant charts and reports * check history records by date on the calendar Download and try Tiny Savings yourself now. You will definitely love it and find it really handy, simple but elegant. No more interference from too many useless functions. We'd love to hear your feedback! If you have any ideas or feature requests for future versions of the app, feel free to let us know. Please reach out to us at contact@fungo.one .

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

Tiny Savings4 screens
Surplus4 screens

Verdict

The call

The clearest difference is in-app purchases: Tiny Savings at none against Surplus's 4. Tiny Savings also leads on review sentiment (100% vs 83%) and rating (5.0 vs 4.8). Surplus's advantage is ratings volume (27 vs 5). On price, update cadence, ads and device support 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. Surplus sells 4 in-app purchases, starting at $3.99 per month. Tiny Savings asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Tiny Savings holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Surplus has 27 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 100% of Tiny Savings's written reviews are positive against 83% of Surplus's.

UpkeepUpdate frequency

Tiny Savings ships an update every 6 weeks, Surplus monthly. The most recent releases landed on October 8, 2026 and October 5, 2026 respectively.

Scorecard6 real differences · 4 level
Tiny Savings versus Surplus: the parameters behind the verdict, then further details
ParameterTiny SavingsSurplus
PriceFreeFree
Rating5.0 (5 ratings) — better4.8 (27 ratings)
Positive reviews100.0% of reviews — better83.3% of reviews
Number of ratings527 — better
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size44 MB67 MB
Age rating4+4+
DeveloperTinyWork AppsDev Harvest LLC

Customer experience

Tiny Savings

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Surplus

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

In-app purchases

None

Tiny Savings

No in-app purchases

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 Tiny Savings free?
Tiny Savings is free to download, with no in-app purchases.
Is Surplus free?
Surplus is free to download, with in-app purchases available.
Which has better reviews, Tiny Savings or Surplus?
Tiny Savings is rated higher. Tiny Savings averages 5.0 out of 5 from 5 ratings, while Surplus averages 4.8 from 27 ratings.
Do Tiny Savings or Surplus have ads?
Neither Tiny Savings nor Surplus shows ads.
Which is updated more often, Tiny Savings or Surplus?
Tiny Savings ships an update every 6 weeks, and Surplus monthly. Most recently, Tiny Savings was updated on October 8, 2026 and Surplus on October 5, 2026.

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