# Surplus vs MySpend

The clearest difference is ratings volume: Surplus at 27 against MySpend's 1. MySpend's advantage is review sentiment (100% vs 83%) and rating (5.0 vs 4.8). On price, update cadence, ads 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 MySpend sells 5 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

MySpend holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Surplus has 27 ratings behind it against 1, 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 MySpend's.

Surplus ships an update monthly, MySpend every 3 weeks. The most recent releases landed on October 5, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Surplus | MySpend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (27 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/myspend-shared-budget-tracker/id6446052184/reviews)** |
| Number of ratings | **27** | 1 |
| Positive reviews | 83.3% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 67 MB | 45 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [Vadim Holub](https://appshunter.io/developer/1675678220) |

## 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 |


### MySpend

[App page](https://appshunter.io/ios/app/myspend-shared-budget-tracker/id6446052184)

Effortlessly track personal or shared expenses with this finance app. It offers quick transaction logging, multiple wallet options, and customizable categories. Share specific spending categories with others via a simple link for collaborative budgeting.

**Highlights:** Quick expense logging, Multiple wallet support, Customizable spending categories, Shareable expense links, Real-time sync for shared budgets, Visual spending analytics

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Subscription | $0.99 | per 7 days |
| Monthly Subscription | $2.99 | per month |
| Annual Subscription | $14.99 | per year |
| Forever without Subscription | $34.99 | per 6 months |
| Forever without Subscription | $39.99 | one-time |


## Frequently asked questions

### Is Surplus free?

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

### Is MySpend free?

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

### Which has better reviews, Surplus or MySpend?

MySpend is rated higher. Surplus averages 4.8 out of 5 from 27 ratings, while MySpend averages 5.0 from 1 ratings.

### Do Surplus or MySpend have ads?

Neither Surplus nor MySpend shows ads.

### Which is updated more often, Surplus or MySpend?

Surplus ships an update monthly, and MySpend every 3 weeks. Most recently, Surplus was updated on October 5, 2026 and MySpend on October 7, 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.*