Safe to Spend
after bills, debt, savings, and transfers
Budget tracker, money tracker, expense tracker, cash flow app, and net worth tracker.
You're Not Financially FreeUntil You Have Clarity.
Know what's safe to spend. Turn the rest into wealth. Surplus gives you one clear view of cash, debt, investments, real estate, crypto, and net worth.
Clarity first
Know what's safe to spend.
Know what's left to keep.
Surplus gives you forward visibility into bills, paychecks, subscriptions, and cash flow so money feels clear before it feels stressful.
When your financial picture stays visible, spending becomes strategy, debt becomes wealth, and stress becomes freedom.
Turn clarity into momentum
No more surprises. One clear view before you spend, save, or invest.
Rent, utilities, insurance
Groceries, gas, essentials
Dining, shopping, entertainment
What you actually keep
Clarity compounds. When your money stays visible, better decisions get easier.
Managing your finances shouldn't feel like a second job
We do the busy work for you with automatic transaction handling and smarter categories.
Less manual workNo more surprises. Know what's coming.
Bills, paychecks, subscriptions, and cash flow stay visible in real time.
Forward visibilityOne clear view
Cash, debt, investments, real estate, crypto, and net worth together.
Full pictureOne clear view,
down to the details.
Surplus keeps spending, cash flow, debt, investments, real estate, crypto, and net worth visible without turning money into a second job.
AI Categorization
Learns your spending habits automatically
Connected Accounts
Support across the US, Canada, and most EU countries
Manual Accounts
Free forever with balances updated by your transactions
54 Categories
Fully customizable expense tracking
Crypto Portfolio
20,000+ coins with real-time prices
Real Estate
Live home values via Zillow and Rentcast
Investment Tracking
Stocks, ETFs & 401k with live prices
Smart Recurring
Set once — budget updates automatically
Checking Projections
Forecast your checking balance 1W, 2W, 1M, or 2M ahead
Split Transactions
Divide purchases across categories
Savings Goals
Track progress toward your savings targets
Cash Flow Intel
Spot patterns and spending trends
Bank-Level Security
256-bit encryption, read-only access
AI Categorization
Learns your spending habits automatically
Connected Accounts
Support across the US, Canada, and most EU countries
Manual Accounts
Free forever with balances updated by your transactions
54 Categories
Fully customizable expense tracking
Crypto Portfolio
20,000+ coins with real-time prices
Real Estate
Live home values via Zillow and Rentcast
Investment Tracking
Stocks, ETFs & 401k with live prices
Smart Recurring
Set once — budget updates automatically
Checking Projections
Forecast your checking balance 1W, 2W, 1M, or 2M ahead
Split Transactions
Divide purchases across categories
Savings Goals
Track progress toward your savings targets
Cash Flow Intel
Spot patterns and spending trends
Bank-Level Security
256-bit encryption, read-only access
Know what's safe to spend
See what remains after bills, savings, debt, and recurring plans. One clear number that keeps spending strategic.
- Safe-to-spend clarity in real time
- 54 fully customizable categories
- Recurring, variable, and flexible spending together
Your data.
Fort Knox secure.
We use Plaid for bank connections — the same provider trusted by Venmo, Robinhood, and Coinbase. We never see your passwords.
256-bit encryption
Same security as major banks.
Read-only access
We can never move your money.
No data selling. Ever.
We make money from subscriptions, not your data.
Face ID & Touch ID
Protected by your device biometrics.
Turn clarity into
momentum.
Surplus brings cash, debt, investments, real estate, crypto, and net worth into one clear view. Manual tracking and demo mode keep the basics simple. Live syncing for bills, paychecks, subscriptions, and cash flow is the upgrade.
Manual Tracking
Keep your budget, cash flow, and net worth clear without a subscription. Add accounts, enter transactions, and stay in control without making money a second job.
- Manual accounts and custom balances
- Manual transactions automatically increase or reduce account value
- Budget, recurring, and goal tracking
- No bank connection required
One clear view without paying for live connections.
billed at $89.99 per year
- Everything in free manual tracking
- Plaid bank and brokerage connections
- Apple Card, Apple Cash, and Apple Savings
- Crypto tracking plus Zillow and Rentcast integrations
- Live connected balances and transaction sync
Live connections keep bills, paychecks, subscriptions, cash flow, and your full financial picture visible in real time.
Connected tracking is available across the US, Canada, and most EU countries. Manual tracking works without live connections.
Beta feedback
Beta tested by hundreds.
Internal rating: 4.8 out of 5.
People used Surplus across shared households, first jobs, busy careers, and uneven income months. These are six of the comments that kept coming up in beta: it is fast, clear, and actually changes spending behavior.
Robyn K
Mom, consultant, mid-market manager
I have kids, client work, and a full-time management job. Surplus is the first app that made it obvious whether we were actually ahead that month.
Private beta tester
Hisham S
Corporate executive
I do not want to babysit a budget. I linked my accounts, cleaned up a few categories once, and now I can tell in seconds if my spending is getting loose.
Private beta tester
Alex J
Landing a first job after college
Right after college, I needed something simple enough to stick with. Surplus showed me what I could spend without messing up rent, savings, or loan payments.
Private beta tester
Julia J
Stay-at-home mom planning with her husband
My husband and I use it together for groceries, trips, and all the random stuff that adds up. Seeing one shared number cut down a lot of stress.
Private beta tester
Nadia C
Part-time worker applying to med school
My income changes, application costs pop up out of nowhere, and I am still trying to save. Surplus helped me stay on top of it without living in a spreadsheet.
Private beta tester
Nathan M
Young tech professional
I work in tech, so I have tried a lot of finance apps. Surplus is the first one that gives me the answer I actually care about: what I am keeping this month.
Private beta tester