Build RealWealthNot Just Budgets
Focus on what matters - your free cash flow. Track the money you have after expenses and watch your wealth grow month after month.
Early Users Love Surplus
See what our beta testers are saying about tracking their free cash flow
Hisham S.
Corporate Executive
Finally an app that gets it!! Been using Surplus for 3 months and I can actually see where our family money goes. My wife loves it too. The investment tracking is phenomenal - connects with all our accounts no problem. Worth every penny honestly
2 weeks ago
Robyn K.
Consultant
As someone with consulting income + my regular job, this app is a LIFESAVER. The AI categorization actually works (unlike mint lol). Love love love how I can see my free cash after all expenses... turns out I was richer than I thought 😅 Already saved $2k this month!
1 month ago
Alex J.
College Student
yo this app is sick!! im a broke college student doing uber eats and this helps me track everything. the free trial got me hooked ngl. its crazy seeing how much $ i actually make vs spend... def helped me save up for spring break 🤙
3 weeks ago
Nadia C.
Medical Assistant
OK so i was skeptical at first but OMG this app showed me I was spending $400/month on going out ðŸ˜ðŸ˜ The free cash flow thing is genius tho - now i can still have fun but actually save money too!! My parents cant believe it haha
1 week ago
Julia J.
Mom of 3
This app gave me peace of mind about our family finances. Between kids activities, groceries, and everything else it was chaos before Surplus. Now I know EXACTLY what we have left each month. The recurring detection caught subscriptions we forgot about - saved us $80/month right there!
1 month ago
Marcus T.
Small Business Owner
Game changer for tracking personal vs business expenses. The search feature is lightning fast when I need to find transactions for taxes. Can't imagine going back to spreadsheets... this is the future of budgeting fr
2 months ago
Why Free Cash Flow Matters
Traditional budgeting apps focus on categories and limits. We focus on what's left after your commitments - the money that actually builds wealth.
Traditional Budgeting
Tracks spending categories, sets limits, focuses on restrictions
Surplus Approach
Tracks free cash flow, focuses on growth, builds wealth systematically
Everything You Need to Grow Your Money
Powerful features designed to help you track, manage, and grow your free cash flow
Free Cash Tracking
See exactly how much money you have after all your fixed and variable expenses
12,000+ Banks
Connect all your accounts from over 12,000 financial institutions seamlessly
Face ID Security
Your financial data protected with bank-level encryption and biometric authentication
Fast Search
Find any transaction instantly with our lightning-fast search engine
AI Categorization
Smart AI that learns your spending patterns and categorizes automatically
Goal Planning
Set and track financial goals with intelligent recommendations
Investment Tracking
Monitor your portfolio performance alongside your cash flow
Apple Integration
Native support for Apple Card, Apple Cash, and Apple Savings
Recurring Detection
Automatically detect and manage your subscriptions and recurring payments
Start Building Wealth Today
Join thousands who are already growing their free cash flow with Surplus
Download Surplus Free