# Surplus vs Balance

The clearest difference is iOS requirement: Surplus at 15.0 against Balance's 27.0. On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Surplus sells 4 in-app purchases, starting at $3.99 per month and Balance sells 4 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.8 for Surplus against 4.7 for Balance. Both are backed by a comparable volume of ratings — 28 and 17 respectively. Written reviews are what separate them: 83% of Surplus's written reviews are positive against 85% of Balance's.

Surplus ships an update monthly, Balance every 2 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Surplus | Balance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** | [4.7 (17 ratings)](https://appshunter.io/ios/app/balance-personal-finance/id1606536498/reviews) |
| Number of ratings | **28** | 17 |
| Positive reviews | 83.3% of reviews | **84.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 67 MB | 54 MB |
| Requires iOS | **15.0** | 27.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, Mac, Vision Pro** |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [Anatoliy Gershman](https://appshunter.io/developer/1443169072) |

## 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 |


### Balance

[App page](https://appshunter.io/ios/app/balance-personal-finance/id1606536498)

Manage all your financial accounts in one place with a clean, intuitive interface. Track expenses, create budgets, and generate detailed reports to gain insights into your spending habits. Securely sync your data across Apple devices via iCloud.

**Highlights:** All account tracking, iCloud sync across Apple devices, Quick expense entry, Advanced search and filtering, Customizable reports, Budget management, Scheduled and recurring transactions

**Features:** Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Quarterly | $4.99 | per 3 months |
| Yearly | $14.99 | per year |
| Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Surplus free?

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

### Is Balance free?

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

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

Surplus is rated higher. Surplus averages 4.8 out of 5 from 28 ratings, while Balance averages 4.7 from 17 ratings.

### Do Surplus or Balance have ads?

Neither Surplus nor Balance shows ads.

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

Surplus ships an update monthly, and Balance every 2 weeks. Most recently, Surplus was updated on November 3, 2026 and Balance on November 7, 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.*