# Surplus vs Expense Tracker & Money

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.

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.

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.

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

## The numbers

| Metric | Surplus | Expense Tracker & Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/expense-tracker-and-money/id1668521095/reviews)** |
| Number of ratings | **28** | 4 |
| Positive reviews | 83.3% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 67 MB | 18 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [Kai Oelfke](https://appshunter.io/developer/644779478) |

## 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 Tracker & Money

[App page](https://appshunter.io/ios/app/expense-tracker-and-money/id1668521095)

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:** Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*