Comparison

iSpending HD vs Surplus

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

iSpending HD

This personal finance app helps you track income and expenses with customizable categories. View instant summaries, detailed graph reports, and search transactions easily. Secure your data with a passcode lock and export your records.

Highlights
  • Track income and expenses
  • Customizable spending categories
  • Instant daily, weekly, monthly, yearly summaries
  • Detailed graph reports
  • Transaction search
  • Passcode lock
  • Export transactions via email
Features
Read full description

If you are looking for the best personal finance application, this is the app for you and it's free! iSpending HD helps you to track your income and spendings. You can add transactions under different categories, such as income, food, entertainment. Summaries for today/week/month/year are displayed right at home page. You can view detailed report for each month in beautiful graphs and find transaction easily through search. Try it yourself to see more features, you'll love it! Features: - Add income/expense transactions under different category - Add customize spending category name - Add transactions quickly - Instant summary for today/week/month/year - Passcode lock - Export through email - View history records and compare them - Graph report for 1, 3 or 6 months time period - Separate graph report for income or expense alone - Search for transaction by name, amount, note or any of them - Polished UI, easy to use Send your comments/suggestions to hanamobiles@gmail.com or visit our website.

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

Screenshots

Surplus4 screens

Verdict

The call

The clearest difference is rating: Surplus at 4.8 against iSpending HD's 3.6. Surplus also leads on update cadence (monthly vs every 16 months) and review sentiment (83% vs 58%). iSpending HD's advantage is iOS requirement (8.0 vs 15.0). On price, ratings volume, ads and in-app purchases 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. iSpending HD sells 1 one-off in-app purchase and Surplus sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Surplus holds the better App Store score, 4.8 against 3.6. Both are backed by a comparable volume of ratings — 14 and 28 respectively. Written reviews point the same way: 58% of iSpending HD's written reviews are positive against 83% of Surplus's.

UpkeepUpdate frequency

iSpending HD ships an update every 16 months, Surplus monthly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
iSpending HD versus Surplus: the parameters behind the verdict, then further details
ParameteriSpending HDSurplus
PriceFreeFree
Rating3.6 (14 ratings)4.8 (28 ratings) — better
Positive reviews57.7% of reviews83.3% of reviews — better
Number of ratings1428 — better
Update frequencyEvery 16 monthsMonthly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPadiPhone, iPad, iPod — better
Requires iOS8.0 — better15.0
Further details — not scored
Size14 MB67 MB
Age rating4+4+
DeveloperHana MobileDev Harvest LLC

Customer experience

iSpending HD

All ratings14 ratings
Positive64.3%
Neutral7.1%
Negative28.6%
Written reviews26 reviews
Positive57.7%
Neutral19.2%
Negative23.1%

Surplus

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

In-app purchases

1 purchases

iSpending HD

One-time1
  • iSpendingHD Pro$19.99
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

Questions

Is iSpending HD free?
iSpending HD is free to download, with in-app purchases available.
Is Surplus free?
Surplus is free to download, with in-app purchases available.
Which has better reviews, iSpending HD or Surplus?
Surplus is rated higher. iSpending HD averages 3.6 out of 5 from 14 ratings, while Surplus averages 4.8 from 28 ratings.
Do iSpending HD or Surplus have ads?
Neither iSpending HD nor Surplus shows ads.
Which is updated more often, iSpending HD or Surplus?
iSpending HD ships an update every 16 months, and Surplus monthly. Most recently, iSpending HD was updated on November 6, 2026 and Surplus on November 3, 2026.

Other comparisons