# Surplus vs Spending Tracker

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.

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.

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

## The numbers

| Metric | Surplus | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** | — |
| Number of ratings | **28** | — |
| Positive reviews | 83.3% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 67 MB | 3 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) | [Konstantin Bolgar](https://appshunter.io/developer/1688159845) |

## 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 |


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-budget-app/id6449218651)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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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.*