Comparison

Surplus vs MyFondi

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

MyFondi

This personal finance app helps you manage your money by budgeting based on your paycheck. It automatically downloads transactions from your bank and allows you to track progress on savings and debt reduction goals.

Highlights
  • Paycheck-based budgeting
  • Automatic bank transaction downloads
  • Goal tracking (debt, savings)
  • Budget monitoring on the go
  • Secure bank connections
Features
Read full description

Are you tired of wondering where your money went and feeling like you never get ahead? MyFondi, a brand-new personal finance app, is here to help with its innovative Budget One Paycheck at a Time principles. Download this simple app to get started and within minutes, you’ll have a clearer snapshot of your finances and what you can actually spend based on your paycheck. Your transactions will download automatically from your bank, making it even easier to stay up to date. After you get the basics, you can start to track your progress on goals such as debt reduction or saving for that next vacation. With time and practice through MyFondi you will gain confidence, save more money, destroy debt, and never wonder where your money went again. Don’t delay another day, start changing your financial future today by downloading MyFondi. Product Benefits: - Transactions are downloaded securely from your bank account with over 10,000 banks supported. - Set your budget by your paycheck frequency to have a more accurate budget. - Set and track your goals directly in the app where all of your financial transactions are stored. - Easily track and check your budget on the go in the smartphone app. Free Trial: Get a free 45-day trial starting today to experience the app through at least 2 paycheck cycles and see how your finances will change. After the trial, subscribe for $11.99 a month or $99.99 a year. Your subscription will be charged to your Appstore account at confirmation of purchase and will automatically renew (at the duration selected) unless auto-renew is turned off at least 24 hours before the end of the current period. Current subscription may not be cancelled during the active subscription period; however, you can manage your subscription and/or turn off auto-renewal by visiting your iTunes Account Settings after purchase.

Screenshots

Surplus4 screens
MyFondi4 screens

Verdict

The call

The clearest difference is review sentiment: Surplus at 83% against MyFondi's 0%. Surplus also leads on rating (4.8 vs 4.0) and update cadence (monthly vs every 40 months). On price, ads, in-app purchases and monetization model 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 MyFondi sells 2 in-app purchases, starting at $11.99 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 0% of MyFondi's.

UpkeepUpdate frequency

Surplus ships an update monthly, MyFondi every 40 months. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
Surplus versus MyFondi: the parameters behind the verdict, then further details
ParameterSurplusMyFondi
PriceFreeFree
Rating4.8 (28 ratings) — better4.0 (4 ratings)
Positive reviews83.3% of reviews — better0.0% of reviews
Number of ratings28 — better4
Update frequencyMonthly — betterEvery 40 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size67 MB54 MB
Age rating4+17+
DeveloperDev Harvest LLCMyFondi, LLC

Customer experience

Surplus

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

MyFondi

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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
2 purchases

MyFondi

Subscriptions2
  • Monthly Plan$11.991 Month
  • Annual Plan$99.991 Year

Questions

Is Surplus free?
Surplus is free to download, with in-app purchases available.
Is MyFondi free?
MyFondi is free to download, with in-app purchases available.
Which has better reviews, Surplus or MyFondi?
Surplus is rated higher. Surplus averages 4.8 out of 5 from 28 ratings, while MyFondi averages 4.0 from 4 ratings.
Do Surplus or MyFondi have ads?
Neither Surplus nor MyFondi shows ads.
Which is updated more often, Surplus or MyFondi?
Surplus ships an update monthly, and MyFondi every 40 months. Most recently, Surplus was updated on October 22, 2026 and MyFondi on October 24, 2026.

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