# Surplus vs Cashews

The clearest difference is monetization model: Surplus at free with in-app purchases against Cashews's subscription. Surplus also leads on review sentiment (83% vs 50%) and rating (4.8 vs 4.5). Cashews's advantage is update cadence (every 3 days vs monthly). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Surplus sells 4 in-app purchases, starting at $3.99 per month and Cashews sells 9 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 4.5. Both are backed by a comparable volume of ratings — 27 and 70 respectively. Written reviews point the same way: 83% of Surplus's written reviews are positive against 50% of Cashews's.

Surplus ships an update monthly, Cashews every 3 days. The most recent releases landed on October 5, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Surplus | Cashews |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (27 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** | [4.5 (70 ratings)](https://appshunter.io/ios/app/cashews/id1582436070/reviews) |
| Number of ratings | 27 | **70** |
| Positive reviews | **83.3% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 days** |
| Monetization | **Free with in-app purchases** | Subscription |
| Size | 67 MB | 74 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [Cashews Finance LLC](https://appshunter.io/developer/1582436072) |

## What reviewers say

### 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 |


### Cashews

[App page](https://appshunter.io/ios/app/cashews/id1582436070)

This app analyzes your income and expenses to tell you how much you can safely spend. It offers a unique approach to budgeting by focusing on your current financial health rather than rigid categories. Make informed decisions with a 'Can I afford it?' widget and achieve your financial goals.

**Highlights:** Connect to bank accounts, Analyze income and expenses, Predictive cash flow algorithm, Spendable money calculation, Financial goal setting, 'Can I afford it?' widget, Automated account syncing

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cashews Finance Monthly | $3.99 | per month |
| Monthly | $5.99 | per month |
| Monthly | $8.99 | per month |
| Quarterly | $13.49 | per 3 months |
| Quarterly | $19.99 | per 3 months |
| Cashews Finance Annual | $39.99 | per year |
| Yearly | $59.99 | per year |
| Yearly | $59.99 | per year |
| Yearly | $69.99 | per year |


## Frequently asked questions

### Is Surplus free?

Surplus is free to download, with in-app purchases available.

### Is Cashews free?

Cashews is free to download, with in-app purchases available.

### Which has better reviews, Surplus or Cashews?

Surplus is rated higher. Surplus averages 4.8 out of 5 from 27 ratings, while Cashews averages 4.5 from 70 ratings.

### Do Surplus or Cashews have ads?

Neither Surplus nor Cashews shows ads.

### Which is updated more often, Surplus or Cashews?

Surplus ships an update monthly, and Cashews every 3 days. Most recently, Surplus was updated on October 5, 2026 and Cashews on October 14, 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.*