# Surplus vs Valet Budget

The clearest difference is in-app purchases: Valet Budget at none against Surplus's 4. Valet Budget also leads on iOS requirement (12.0 vs 15.0). Surplus's advantage is ratings volume (28 vs 1). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Surplus sells 4 in-app purchases, starting at $3.99 per month. Valet Budget asks for nothing beyond the download.

Valet Budget holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Surplus has 28 ratings behind it against 1, so its average is the more settled of the two.

Surplus ships an update monthly, Valet Budget every 2 months. The most recent releases landed on October 22, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Surplus | Valet Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/valet-budget/id1590946807/reviews)** |
| Number of ratings | **28** | 1 |
| Positive reviews | 83.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 67 MB | 67 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [JLogical LLC](https://appshunter.io/developer/1387573268) |

## 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 |


### Valet Budget

[App page](https://appshunter.io/ios/app/valet-budget/id1590946807)

This finance app helps you manage your money with automated budgeting and customizable envelopes. Track spending, allocate income, and analyze your budget with cloud sync for access on any device. Achieve your financial goals with intuitive tools for effortless money management.

**Highlights:** Automated budgeting, Customizable envelopes, Automatic income allocation, Detailed transaction tracking, Cloud synchronization, Envelope locking, Budget analysis

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Surplus free?

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

### Is Valet Budget free?

Valet Budget is free to download, with no in-app purchases.

### Which has better reviews, Surplus or Valet Budget?

Valet Budget is rated higher. Surplus averages 4.8 out of 5 from 28 ratings, while Valet Budget averages 5.0 from 1 ratings.

### Do Surplus or Valet Budget have ads?

Neither Surplus nor Valet Budget shows ads.

### Which is updated more often, Surplus or Valet Budget?

Surplus ships an update monthly, and Valet Budget every 2 months. Most recently, Surplus was updated on October 22, 2026 and Valet Budget on October 20, 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.*