# Surplus vs MyFondi

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.

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.

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.

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

## The numbers

| Metric | Surplus | MyFondi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/myfondi/id1673087185/reviews) |
| Number of ratings | **28** | 4 |
| Positive reviews | **83.3% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Monthly** | Every 40 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 67 MB | 54 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [MyFondi, LLC](https://appshunter.io/developer/1673087187) |

## 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 |


### MyFondi

[App page](https://appshunter.io/ios/app/myfondi/id1673087185)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $11.99 | per month |
| Annual Plan | $99.99 | per year |


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