Turn clarity into momentum.
Surplus is a budget tracker, money tracker, expense tracker, cash flow app, and net worth tracker. Stay manual, or unlock live visibility across bills, paychecks, subscriptions, cash flow, and your full financial picture.
Connected tracking is available across the US, Canada, and most EU countries. Premium pricing is $14.99/month or $99/year USD ($9.99 for your first month, then $99/year), or comparable local pricing in the App Store.
Manual Tracking
Keep your budget, cash flow, and net worth clear without a subscription. Add accounts, enter transactions, and let those transactions automatically keep your manual balances up to date.
Premium Yearly
Best value for live visibility
$9.99 for your first month, then $99/year (about $8.25/month)
Premium Monthly
Flexible option for live visibility
Cancel anytime
Why live clarity matters
The average Surplus user discovers $347 in monthly savings by seeing bills, paychecks, subscriptions, cash flow, and the rest of their financial picture in one place.
Manual tracking stays free. Premium is a 23x return on the monthly plan, or 42x with the yearly plan
Frequently Asked Questions
Is manual tracking really free?
Yes. If you stay fully manual, Surplus is free forever. You only need premium if you want connected features like Plaid, Apple Card, Zillow, Rentcast, or crypto tracking.
How can I try Surplus before paying?
Explore the app with demo data or use manual tracking for free. Premium is only required for connected features like Plaid, Apple Card, Zillow, Rentcast, and crypto tracking.
Can I switch between monthly and yearly?
Absolutely! You can switch from monthly to yearly anytime to start saving. If you switch from yearly to monthly, the change takes effect at your next renewal.
What countries are supported?
Connected tracking currently supports the US, Canada, and most EU countries. Manual tracking works without live connections.
What happens if I cancel?
You'll keep access until the end of your billing period. After that, you can continue using manual tracking for free or re-subscribe whenever you want connected features again.
Is my financial data secure?
Absolutely. We use bank-level 256-bit encryption, Face ID protection, and read-only access to your accounts. We never store your bank credentials.