EveryDollar vs Surplus
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EveryDollar
This personal finance app helps you create budgets, track expenses, and manage your money to achieve financial goals like saving or paying off debt. It offers tools for planning spending, setting savings targets, and understanding your financial progress.
- Create quick budgets
- Track expenses and transactions
- Plan spending and savings
- Set savings goals
- Manage personal finances
- Track debt reduction
- Automated bank connections
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EveryDollar is the personal budget app for any money goal: save money, pay off debt & more. Create quick budgets easily with your personal budget planner. Tracking expenses & transactions is simple: plan budget management & see how your progress impacts your finances. It doesn’t stop there: plan spending & savings, upcoming expenses, set savings goals & manage personal finances. An easy budget gives you permission to spend when you give every dollar a job. Gain financial peace, take control of your finances & stay focused on all your money goals with EveryDollar. Save money & tell it where to go instead of wondering where it went. PERSONAL FINANCE MANAGER & SIMPLE BUDGET TRACKER • Track money & create fast budgets easily • Replace your money journal, spreadsheets, money envelope, cash stuffing & other finance trackers with easy digital budget management • Adjust money tracking with simple budget planning from anywhere • Track spending & money savings accurately • Good for any budgeter or personal finance manager • Personal budget, home budget, family budget, budgeting for students ACCOUNT & MONEY MANAGER • Personal budget tracker, accounting app & more: your personal financial management app to manage spending to save money, pay bills & become a debt payoff pro • Manage money using your checking account & savings account • Track debt reduction & money savings for retirement with the money spending tracker • Easy budgets for both a beginner & skilled personal finance manager or financial planner FINANCIAL ADVISOR & VIRTUAL MONEY COACH • Learn money tips & how to save money • Learn financial management & become a money wiz with expert advice • How to track transactions, savings tips, how to create a budget you’ll actually use & more! • Budgeters learn to save money MONEY SAVING & SPENDING TRACKER • Managing money tracking with our personal finance tracker & money management app is easy • Understand your money savings & spending • Money & budget planning helps empower you to save money & spend money • Manage subscriptions & track expenses • Track spending to avoid going over budget with automated bank connections BILL APP, INCOME & EXPENSE TRACKER • Your all-in-one easy budget maker, bill tracker & income app • Bill organizer helps manage bills & upcoming expenses easily • Compare income & bills to adjust spending & savings goals • Monitor bill tracker & expense manager scenarios • Allowance tracker, travel expense tracker, vacation budget tracker & more MONEY GOAL TRACKER The simple budget tool for every saving goal: create budgets for any budgeting or money savings goal: • Personal budget • Home budget • Family budget • Couples budget • Vacation budget • Wedding budget • Travel budget Free budget app features: • Create a monthly budget • View your free budget planner on any device • Customize a free spending tracker for monthly expenses • Unlimited easy budgeting categories & line items • Save money for big purchases & money goals • Share your household budget & expense tracking • Split transactions & plan budget line items • Set due dates to manage bills & plan budget tracking Upgraded digital budgeting features: • Automatically stream transactions into a quick budget • Connect to financial accounts • Get a custom expense report of spending & income • Export transaction data to Excel & create your own expense report • Get personalized recommendations for tracking expenses • Set a monthly bill reminder to manage bills • View your current/projected net worth • Track spending, when you get paid & due dates with paycheck planning • Meet debt reduction & savings goals timelines with financial roadmap • Become debt free faster with easy expense tracking • Join live Q&A sessions with professional financial coaches Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Terms of Use: https://www.ramseysolutions.com/company/policies/terms-of-use
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.
- Monthly income and expense tracking
- Categorization of spending
- Customizable reports with CSV export
- Transaction grouping
- Home and lock screen widgets
- Automation via Shortcuts app
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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
Verdict
The clearest difference is update cadence: EveryDollar at every 2 days against Surplus's monthly. EveryDollar also leads on ratings volume (84K vs 28) and chart position (#14 vs unranked). Surplus's advantage is review sentiment (83% vs 55%). On price, rating, 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
Both are free to download. EveryDollar sells 9 in-app purchases, starting at $7.99 per month 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.
On the App Store both sit at effectively the same score — 4.7 for EveryDollar against 4.8 for Surplus. That said, the two scores are not equally well evidenced: EveryDollar has 84K ratings behind it against 28, so its average is the more settled of the two. Written reviews are what separate them: 55% of EveryDollar's written reviews are positive against 83% of Surplus's.
EveryDollar ships an update every 2 days, Surplus monthly. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | EveryDollar | Surplus |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (84K ratings) | 4.8 (28 ratings) — better |
| Positive reviews | 55.4% of reviews | 83.3% of reviews — better |
| Number of ratings | 84K — better | 28 |
| Update frequency | Every 2 days — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | #14 — better | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 156 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | The Lampo Group Incorporated | Dev Harvest LLC |
Customer experience
EveryDollar
Surplus
Bugs and requests
EveryDollar
Reported bugs
5 issues- Transactions disappearing or duplicating
- Incorrect budget calculations
- Frequent login requirements
- Slow app loading times
- Incompatibility with certain bank accounts
Requested features
5 requests- Ability to share budget with partner
- Automatic categorization of transactions
- Recurring expense calendar
- Sinking funds functionality improvements
- Dark mode option
Surplus
Not enough reviews yet to summarise bugs or requests.
In-app purchases
EveryDollar
- EveryDollar Plus14 Days trial$7.991 Month
- EveryDollar Plus1 Month trial$12.991 Month
- EveryDollar Plus7 Days trial$12.991 Month
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- EveryDollar Premium (Monthly)14 Days trial$12.991 Month
- EveryDollar Plus14 Days trial$12.991 Month
- EveryDollar Premium (Monthly)14 Days trial$17.991 Month
- Ramsey+ (Three Month)14 Days trial$59.993 Months
- EveryDollar Premium (Annual)14 Days trial2 variants$79.991 Year
- Ramsey+ (Annual)14 Days trial$129.991 Year
Surplus
- Surplus Pro Monthly$3.991 Month
- Surplus Pro Yearly$14.491 Year
- Surplus Pro Yearly$29.991 Year
- Surplus Pro Lifetime$29.99









