Comparison

Surplus vs Spending Tracker

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

Spending Tracker

Easily manage your finances and track daily expenses with this intuitive app. Categorize transactions, visualize spending patterns with charts, and convert currencies on the go. Securely sync your data across devices.

Highlights
  • Expense tracking
  • Categorized transactions
  • Spending visualization
  • Currency converter
  • iCloud sync
Features
Read full description

Simplify your financial life with Spending Tracker – the ultimate companion for managing your expenses and achieving your financial goals. Take control of your spending and track your finances. EXPENSE TRACKING Record your daily expenses with just a few taps. Keep a detailed log of all your financial transactions, allowing you to understand where your money is going. CATEGORIZED TRANSACTIONS Categorize every transaction to gain insights into your spending patterns. Organize expenses into categories like groceries, entertainment, bills, and more. This categorization provides a clear overview of your financial habits. VISUALIZE YOUR DATA Get a clear understanding of your expenses through an intuitive pie chart diagram. Explore spending patterns divided by categories or view transactions in a list by months. CURRENCY CONVERTER Traveling or making international purchases? Spending Tracker offers a built-in currency converter, allowing you to calculate exchange rates for over 20 different currencies. Stay updated on real-time exchange rates to make informed financial decisions. iCLOUD SYNC Safeguard your financial data with iCloud integration. Store your data securely in the cloud and sync it across your Apple devices, ensuring your financial information is always accessible and up to date.

Screenshots

Surplus4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: Spending Tracker at none against Surplus's 4. Spending Tracker also leads on review sentiment (100% vs 83%). Surplus's advantage is update cadence (monthly vs every 3 months) and device support (3 vs 1). On price, ads and iOS requirement 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. Spending Tracker asks for nothing beyond the download.

UpkeepUpdate frequency

Surplus ships an update monthly, Spending Tracker every 3 months. The most recent releases landed on October 22, 2026 and October 8, 2026 respectively.

Scorecard5 real differences · 5 level
Surplus versus Spending Tracker: the parameters behind the verdict, then further details
ParameterSurplusSpending Tracker
PriceFreeFree
Rating4.8 (28 ratings) — better—
Positive reviews83.3% of reviews100.0% of reviews — better
Number of ratings28 — better—
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size67 MB3 MB
Age rating4+4+
DeveloperDev Harvest LLCKonstantin Bolgar

Customer experience

Surplus

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

Spending Tracker

Written reviews1 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

Spending Tracker

No in-app purchases

Questions

Is Surplus free?
Surplus is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with no in-app purchases.
Do Surplus or Spending Tracker have ads?
Neither Surplus nor Spending Tracker shows ads.
Which is updated more often, Surplus or Spending Tracker?
Surplus ships an update monthly, and Spending Tracker every 3 months. Most recently, Surplus was updated on October 22, 2026 and Spending Tracker on October 8, 2026.

Other comparisons