# Surplus Budget & Money Tracker vs SpendWidget

The clearest difference is ads: SpendWidget at none against Surplus Budget & Money Tracker's shown. SpendWidget also leads on rating (5.0 vs 4.6). Surplus Budget & Money Tracker's advantage is update cadence (every 3 days vs fortnightly) and iOS requirement (17.4 vs 26.1). On price, review sentiment, ratings volume and in-app purchases there is nothing between them.

Both are free to download. Surplus Budget & Money Tracker sells 2 in-app purchases, starting at $14.99 per month and SpendWidget sells 3 in-app purchases, starting at $1.49 per month. Whichever you choose, the download price is not the number that matters.

SpendWidget holds the better App Store score, 5.0 against 4.6. Both are backed by a comparable volume of ratings — 10 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Surplus Budget & Money Tracker ships an update every 3 days, SpendWidget fortnightly. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Surplus Budget & Money Tracker | SpendWidget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (10 ratings)](https://appshunter.io/ios/app/surplus-budget-and-money-tracker/id6756902238/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/spendwidget-expense-tracker/id6757985671/reviews)** |
| Number of ratings | **10** | 4 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 43 MB | 12 MB |
| Requires iOS | **17.4** | 26.1 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [George Matthew Shalhoub](https://appshunter.io/developer/1863580376) | [Michael Sullivan](https://appshunter.io/developer/1816802531) |

## What reviewers say

### Surplus Budget & Money Tracker

[App page](https://appshunter.io/ios/app/surplus-budget-and-money-tracker/id6756902238)

Gain financial clarity by tracking spending, savings, debt, and investments in one comprehensive app. Understand your cash flow, net worth, and what's safe to spend to achieve your financial goals.

**Highlights:** All-in-one financial picture, Track spending, savings, and debt, Monitor investments and assets, Real-time budget updates, Automated transaction import, Cash flow forecasting

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Surplus Monthly | $14.99 | per month |
| Surplus Yearly | $99.99 | per year |


### SpendWidget

[App page](https://appshunter.io/ios/app/spendwidget-expense-tracker/id6757985671)

This finance app focuses on your daily spending, offering clear totals with weekly and monthly context. It helps you understand your habits at a glance to make better financial decisions without overwhelming charts or complex budgets.

**Highlights:** Daily spending totals, Weekly spending context, Monthly spending context, Clear habit understanding, Simplified financial decisions

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendWidget Pro | $1.49 | per month |
| SpendWidget Pro | $2.99 | per month |
| SpendWidget Pro | $19.99 | per year |


## Frequently asked questions

### Is Surplus Budget & Money Tracker free?

Surplus Budget & Money Tracker is free to download, with in-app purchases available.

### Is SpendWidget free?

SpendWidget is free to download, with in-app purchases available.

### Which has better reviews, Surplus Budget & Money Tracker or SpendWidget?

SpendWidget is rated higher. Surplus Budget & Money Tracker averages 4.6 out of 5 from 10 ratings, while SpendWidget averages 5.0 from 4 ratings.

### Do Surplus Budget & Money Tracker or SpendWidget have ads?

Surplus Budget & Money Tracker shows ads; SpendWidget does not.

### Which is updated more often, Surplus Budget & Money Tracker or SpendWidget?

Surplus Budget & Money Tracker ships an update every 3 days, and SpendWidget fortnightly. Most recently, Surplus Budget & Money Tracker was updated on November 5, 2026 and SpendWidget on October 31, 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.*