Comparison

Surplus vs Expense Tracker Money Spaces

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

Head to head
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

About

Expense Tracker Money Spaces

This app helps you manage shared finances with family, friends, or roommates. Create budgets, track expenses, and collaborate on financial goals securely. It's like a personalized finance notebook for various needs, from allowances to trip planning.

Highlights
  • Create and share budgets
  • Collaborate on financial spaces
  • Track expenses and lists
  • Secure iCloud and CloudKit sync
  • Set up allowances
  • Split living expenses
  • Manage debts
Features
Read full description

MoneySpaces is, possibly, the ultimate budgeting app for families, couples, roommates, and more!  With MoneySpaces, you can easily create and share budgets, accounts, and money lists with anyone, whether it's your family, friends, or work colleagues. Plus, you can collaborate, comment, and manage your financial spaces together, all while keeping your information secure with iCloud and CloudKit. MoneySpaces lets you create budgets, accounts or any money lists and is perfect to help you track all of your expenses. Think of MoneySpaces as your own personal Notes app, but specifically designed for your finances.  It's simple, secure, and customizable, making it perfect for all sorts of budgeting needs.  For example, you can use MoneySpaces to set up allowances for your kids, split living expenses with your roommates, manage debts with your friends, plan a trip with shared expenses, track your travel expenses on a business trip, and even calculate the cost of events and parties! MoneySpaces is the perfect app for: * Family budget * Parents setting up allowances for their kids * Couples managing their budget * Roommates splitting living expenses * Students managing debts with their friends * Trips with friends, shared expenses * Travel expenses on a business trip * Event planning and cost calculation -------- MoneySpaces Premium: - Unlimited Transactions - Unlimited Spaces - Customization ---------- Price may vary by location. Subscriptions will be charged to your credit card through your iTunes account. Your subscription will automatically renew unless canceled at least 24 hours before the end of the current period. You will not be able to cancel the subscription once activated. Manage your subscriptions in Account Settings after purchase. Any unused portion of a free trial period will be forfeited when the user purchases a subscription. Check our Terms - https://moneycoach.ai/terms-of-use/

Screenshots

Surplus4 screens
Expense Tracker Money Spaces4 screens

Verdict

The call

The clearest difference is review sentiment: Surplus at 83% against Expense Tracker Money Spaces's 38%. Surplus also leads on rating (4.8 vs 4.0) and ratings volume (28 vs 4). On price, update cadence, ads and in-app purchases 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 and Expense Tracker Money Spaces sells 9 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Surplus holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Surplus has 28 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 83% of Surplus's written reviews are positive against 38% of Expense Tracker Money Spaces's.

UpkeepUpdate frequency

Surplus ships an update monthly, Expense Tracker Money Spaces every 3 weeks. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 6 level
Surplus versus Expense Tracker Money Spaces: the parameters behind the verdict, then further details
ParameterSurplusExpense Tracker Money Spaces
PriceFreeFree
Rating4.8 (28 ratings) — better4.0 (4 ratings)
Positive reviews83.3% of reviews — better37.5% of reviews
Number of ratings28 — better4
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPodiPhone, iPad, Mac, Vision Pro — better
Requires iOS15.0 — better18.0
Further details — not scored
Size67 MB40 MB
Age rating4+4+
DeveloperDev Harvest LLCMoneyCoach UG

Customer experience

Surplus

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

Expense Tracker Money Spaces

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

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
9 purchases

Expense Tracker Money Spaces

Subscriptions8
  • Individual$2.991 Month
  • Family$4.991 Month
  • Individual$4.991 Month
Show 5 more
  • Family$9.991 Month
  • Premium7 Days trial$14.991 Year
  • Family7 Days trial$29.991 Year
  • Individual7 Days trial$39.991 Year
  • Family7 Days trial$99.991 Year
One-time1
  • Lifetime Premium$49.99

Questions

Is Surplus free?
Surplus is free to download, with in-app purchases available.
Is Expense Tracker Money Spaces free?
Expense Tracker Money Spaces is free to download, with in-app purchases available.
Which has better reviews, Surplus or Expense Tracker Money Spaces?
Surplus is rated higher. Surplus averages 4.8 out of 5 from 28 ratings, while Expense Tracker Money Spaces averages 4.0 from 4 ratings.
Do Surplus or Expense Tracker Money Spaces have ads?
Neither Surplus nor Expense Tracker Money Spaces shows ads.
Which is updated more often, Surplus or Expense Tracker Money Spaces?
Surplus ships an update monthly, and Expense Tracker Money Spaces every 3 weeks. Most recently, Surplus was updated on October 22, 2026 and Expense Tracker Money Spaces on October 25, 2026.

Other comparisons