# Surplus vs fAInance

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.

Both are free to download. Surplus sells 4 in-app purchases, starting at $3.99 per month. fAInance asks for nothing beyond the download.

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

## The numbers

| Metric | Surplus | fAInance |
| --- | --- | --- |
| 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 | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 67 MB | 46 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) | [Shee Yeow Choo](https://appshunter.io/developer/1726709588) |

## 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 |


### fAInance

[App page](https://appshunter.io/ios/app/fainance/id6741730362)

**Features:** macOS Compatibility

**In-app purchases:** none


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