Comparison

Surplus vs Expenso AI

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

Expenso AI

Read full description

Meet Expenso AI — a smarter, simpler way to understand and manage your money. Expenso AI helps you track your income and expenses, organize your spending, build spending plans, and understand your financial habits — all in one intuitive experience. POWERED BY AI Go beyond traditional expense tracking. Expenso AI helps turn your financial data into meaningful insights, making it easier to understand where your money goes and make more informed decisions. TRACK YOUR MONEY Quickly add and organize your income and expenses so you always have a clear picture of your finances. PLAN YOUR SPENDING Create personalized spending plans that help you organize your money around your priorities and stay on top of your goals. UNDERSTAND YOUR SPENDING Explore clear summaries and insights that make your spending patterns easier to understand. IMPORT & EXPORT Keep your financial information organized with convenient options to import and export your data. SIMPLE BY DESIGN Expenso AI combines powerful money-management tools with a clean, distraction-free experience designed to make managing your finances feel effortless. Whether you’re keeping track of everyday expenses, planning your monthly spending, or simply trying to better understand your financial habits, Expenso AI gives you the tools to stay informed and in control. Smarter spending starts with understanding your money. Download Expenso AI and start building a clearer picture of your finances today.

Screenshots

Surplus4 screens
Expenso AI4 screens

Verdict

The call

The clearest difference is in-app purchases: Expenso AI at none against Surplus's 4. Expenso AI also leads on update cadence (fortnightly vs monthly). On price, ads, device support 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. Expenso AI asks for nothing beyond the download.

UpkeepUpdate frequency

Surplus ships an update monthly, Expenso AI fortnightly. The most recent releases landed on October 22, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
Surplus versus Expenso AI: the parameters behind the verdict, then further details
ParameterSurplusExpenso AI
PriceFreeFree
Rating4.8 (28 ratings) — better—
Positive reviews83.3% of reviews—
Number of ratings28 — better—
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size67 MB19 MB
Age rating4+17+
DeveloperDev Harvest LLCAmira Elbana

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

Expenso AI

No in-app purchases

Questions

Is Surplus free?
Surplus is free to download, with in-app purchases available.
Is Expenso AI free?
Expenso AI is free to download, with no in-app purchases.
Do Surplus or Expenso AI have ads?
Neither Surplus nor Expenso AI shows ads.
Which is updated more often, Surplus or Expenso AI?
Surplus ships an update monthly, and Expenso AI fortnightly. Most recently, Surplus was updated on October 22, 2026 and Expenso AI on October 14, 2026.

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