Comparison

Surplus vs fAInance

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

fAInance

Features
Read full description

Master Your Money with fAInance – Effortless & Intelligent Personal Finance. Tired of financial headaches? Meet fAInance, the personal finance app that makes managing your money simple and smart. From a glance at your spending in list or calendar view to lightning-fast transaction entry via camera scan, voice, or image upload, fAInance does the heavy lifting. Our cutting-edge AI intelligently categorizes and allocates transactions, even handling multiple entries from a single receipt scan. Keep all your accounts organized, understand your habits with vivid pie charts, and build effective budgets with AI-powered suggestions. Plus, enjoy unlimited, customizable categories to truly make it your own. Get fAInance and start your journey to financial freedom!

Screenshots

Surplus4 screens
fAInance4 screens

Verdict

The call

The clearest difference is in-app purchases: fAInance at none against Surplus's 4. On price, update cadence, ads and device support 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. fAInance asks for nothing beyond the download.

UpkeepUpdate frequency

Surplus ships an update monthly, fAInance every 2 months. The most recent releases landed on October 22, 2026 and October 16, 2026 respectively.

Scorecard1 real difference · 9 level
Surplus versus fAInance: the parameters behind the verdict, then further details
ParameterSurplusfAInance
PriceFreeFree
Rating4.8 (28 ratings) — better—
Positive reviews83.3% of reviews—
Number of ratings28 — better—
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size67 MB46 MB
Age rating4+4+
DeveloperDev Harvest LLCShee Yeow Choo

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

fAInance

No in-app purchases

Questions

Is Surplus free?
Surplus is free to download, with in-app purchases available.
Is fAInance free?
fAInance is free to download, with no in-app purchases.
Do Surplus or fAInance have ads?
Neither Surplus nor fAInance shows ads.
Which is updated more often, Surplus or fAInance?
Surplus ships an update monthly, and fAInance every 2 months. Most recently, Surplus was updated on October 22, 2026 and fAInance on October 16, 2026.

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