# Surplus vs Expense & Budget

The clearest difference is ads: Surplus at none against Expense & Budget's shown. Surplus also leads on ratings volume (28 vs 6). On price, rating, update cadence 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 Expense & Budget sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Expense & Budget holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 28 and 6 respectively.

Surplus ships an update monthly, Expense & Budget every 3 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | Surplus | Expense & Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/expense-and-budget/id1639025306/reviews)** |
| Number of ratings | **28** | 6 |
| Positive reviews | 83.3% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 67 MB | 54 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [Apponance, Inc.](https://appshunter.io/developer/1402331968) |

## 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 |


### Expense & Budget

[App page](https://appshunter.io/ios/app/expense-and-budget/id1639025306)

This app helps you manage your personal finances by tracking expenses, creating budgets, and visualizing your financial status. It offers tools to understand spending habits, save money, and make informed financial decisions. Easily record income, expenses, and transfers to gain a clear overview of your financial health.

**Highlights:** Record and categorize income, expenses, and transfers, Streamlined timeline view of finances, Comprehensive expense and budget tracker, Centralized daily financial records, Generate reports on spending patterns, Exportable PDF reports, Visual chart analysis of financial health

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Service | $1.99 | per month |
| Premium App | $4.99 | one-time |


## Frequently asked questions

### Is Surplus free?

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

### Is Expense & Budget free?

Expense & Budget is free to download, with in-app purchases available.

### Which has better reviews, Surplus or Expense & Budget?

Expense & Budget is rated higher. Surplus averages 4.8 out of 5 from 28 ratings, while Expense & Budget averages 5.0 from 6 ratings.

### Do Surplus or Expense & Budget have ads?

Expense & Budget shows ads; Surplus does not.

### Which is updated more often, Surplus or Expense & Budget?

Surplus ships an update monthly, and Expense & Budget every 3 weeks. Most recently, Surplus was updated on November 3, 2026 and Expense & Budget on November 3, 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.*