Surplus vs Expense & Budget

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

**Take control of your money in two taps a day — no bank login, no data harvesting, ever.** Log every expense, income, and transfer in seconds. Set budgets that warn you *before* you overspend. See your whole month in clean charts. Your books stay on your device — no bank logins, no selling your spending habits, no ad network watching where your money goes. Built for anyone who wants real control of their money — freelancers with uneven income, families splitting bills, savers chasing a goal, anyone done handing their financial life to a faceless app. Simple enough to use daily. Strong enough to pay off debt, build savings, and finally answer "where did the month go?" **Features:** - **Add money in two taps** — Income, expense, or transfer on one fast screen with a tap-to-pick category grid. Snap a receipt photo and attach it to any entry. Logged before your coffee gets cold. - **Budget alerts before you overspend** — Set a budget for any category and get a push notification at 75%, 90%, and 100%. The first warning comes early — not after you're already in the red. - **See exactly where it goes** — Spending trends, income-vs-expense bars, category breakdown donuts, and a net-worth line. Your entire financial picture on one screen. - **Your month, every way you look at it** — Daily, weekly, and monthly views plus a full calendar with per-day totals. Tap any day to see exactly what you spent. - **Every account in one place** — Cash, checking, savings, credit cards, loans, investments, and more — each in its own currency. Cross-currency transfers lock in the exchange rate the moment you enter them, so old balances never drift. - **Recurring bills post themselves** — Salary, rent, subscriptions, and loan payments land automatically on the right date. Set it once and forget it. - **No bank links. Ever.** — Nothing connects to your bank. Your books live on your device, full stop. Your spending habits are never sold, tracked, or mined. - **Free cloud sync + web app** — Sign in with Apple or Google to back up and sync across iPhone, iPad, and the web app at app.moneyeco.io. Sync is free for everyone — never paywalled. - **Lock it down** — Hide your finances behind a PIN plus Face ID or Touch ID. - **Your data is yours** — Export your entire history to one backup file and import it anywhere. Sign out and your local books stay put. - **One-time upgrade** — Pay once to remove ads and unlock unlimited accounts and budgets. No subscription. No recurring charge. Yours forever. Whether you're paying off debt, building a savings runway, splitting bills, or just want to know where the month went — Expense Budget gives you the full picture and keeps it completely private. === Premium Subscription - Payment charged to your Account at confirmation of purchase - Subscription renews automatically unless cancelled at least 24 hours before the end of the current period - Manage or turn off auto-renewal anytime in your Account Settings - Privacy Policy: https://apponance.com/privacy - Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula