Comparison

Surplus vs Expense Tracker & Money

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

Effortlessly track your spending with automatic expense filling based on your location. Gain insights into your financial habits with charts and trends, and export your data easily. Available on iPhone and Apple Watch, this app offers a distraction-free experience.

Highlights
  • Location-based expense autofill
  • Manual expense entry
  • Data export in CSV
  • Multi-currency support
  • Spending charts and trends
  • iCloud Sync
  • Dark Mode
Features
Read full description

Track expenses in seconds. Expense autofills forms based on your location. No need to enter data manually. Say goodbye to the hassle of tracking your expenses with our efficient expense tracker app. With location-based autocomplete, adding expenses has never been faster. Available on both iPhone and Apple Watch, our app helps you save money and gain a better understanding of your personal finances. You can easily export your data in CSV format and view your expenses in multiple currencies. Plus, our location-based search results and autocomplete feature make adding expenses a breeze. With charts and trends, you can monitor your spending habits and make informed financial decisions. And with iCloud Sync and Dark Mode, you can access your data across devices and customize your viewing experience. Best of all, our app is ad-free, subscription-free, and in-app purchase-free, so you can focus on managing your expenses without any distractions. Plus, we value your privacy and your data only stays on your device.. Try our expense tracker app today and simplify your financial life! Feedback is welcome at: kai@amicu.app

Screenshots

Surplus4 screens
Expense Tracker & Money4 screens

Verdict

The call

The clearest difference is in-app purchases: Expense Tracker & Money at none against Surplus's 4. Expense Tracker & Money also leads on update cadence (weekly vs monthly) and review sentiment (100% vs 83%). Surplus's advantage is ratings volume (28 vs 4). On price, rating, ads and device support 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. Expense Tracker & Money asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expense Tracker & Money 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 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 100% of Expense Tracker & Money's.

UpkeepUpdate frequency

Surplus ships an update monthly, Expense Tracker & Money weekly. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
Surplus versus Expense Tracker & Money: the parameters behind the verdict, then further details
ParameterSurplusExpense Tracker & Money
PriceFreeFree
Rating4.8 (28 ratings)5.0 (4 ratings) — better
Positive reviews83.3% of reviews100.0% of reviews — better
Number of ratings28 — better4
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, Apple Watch
Requires iOS15.0 — better16.0
Further details — not scored
Size67 MB18 MB
Age rating4+4+
DeveloperDev Harvest LLCKai Oelfke

Customer experience

Surplus

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

Expense Tracker & Money

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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
None

Expense Tracker & Money

No in-app purchases

Questions

Is Surplus free?
Surplus is free to download, with in-app purchases available.
Is Expense Tracker & Money free?
Expense Tracker & Money is free to download, with no in-app purchases.
Which has better reviews, Surplus or Expense Tracker & Money?
Expense Tracker & Money is rated higher. Surplus averages 4.8 out of 5 from 28 ratings, while Expense Tracker & Money averages 5.0 from 4 ratings.
Do Surplus or Expense Tracker & Money have ads?
Neither Surplus nor Expense Tracker & Money shows ads.
Which is updated more often, Surplus or Expense Tracker & Money?
Surplus ships an update monthly, and Expense Tracker & Money weekly. Most recently, Surplus was updated on November 3, 2026 and Expense Tracker & Money on November 3, 2026.

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