# iSpending HD vs Surplus

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.

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.

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.

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

## The numbers

| Metric | iSpending HD | Surplus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (14 ratings)](https://appshunter.io/ios/app/ispending-hd/id587654268/reviews) | **[4.8 (28 ratings)](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881/reviews)** |
| Number of ratings | 14 | **28** |
| Positive reviews | 57.7% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 16 months | **Monthly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 14 MB | 67 MB |
| Requires iOS | **8.0** | 15.0 |
| Devices | iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Dev Harvest LLC](https://appshunter.io/developer/1526293285) |

## What reviewers say

### iSpending HD

[App page](https://appshunter.io/ios/app/ispending-hd/id587654268)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| iSpendingHD Pro | $19.99 | one-time |


### 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 |


## Frequently asked 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.

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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.*