Simple, Transparent Pricing

Start Your 2-Week Free Trial

Experience the full power of free cash flow tracking. No credit card required.

BEST VALUE

Yearly

Maximum savings for serious wealth builders

$79.99/year
$155.88Save $76 (49% off)

Just $6.67/month

Start 2-Week Free Trial
14 days free, then $79.99/year
Free Cash Flow Tracking
Connect Unlimited Banks
AI-Powered Categorization
Real-time Sync
Monthly & Weekly Reports
Investment Tracking
Real Estate Tracking
Goal Planning & Insights
Apple Card, Cash & Savings Integration
Fast Transaction Search
Recurring Detection
Net Worth Tracking
Priority Support
Export All Your Data
Custom Categories

Monthly

Flexible month-to-month option

$12.99/month

Cancel anytime

Start 2-Week Free Trial
14 days free, then $12.99/month
Free Cash Flow Tracking
Connect Unlimited Banks
AI-Powered Categorization
Real-time Sync
Monthly & Weekly Reports
Investment Tracking
Real Estate Tracking
Goal Planning & Insights
Apple Card, Cash & Savings Integration
Fast Transaction Search
Recurring Detection
Net Worth Tracking
Priority Support
Export All Your Data
Custom Categories

Why Surplus Pays for Itself

The average Surplus user discovers $347 in monthly savings they didn't know they had by tracking their free cash flow across all accounts.

That's a 27x return on your monthly investment, or 52x with the yearly plan

Frequently Asked Questions

How does the free trial work?

You get 14 days of full access to all features. No credit card required to start. You'll only be charged if you continue after the trial ends.

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 happens if I cancel?

You'll keep access until the end of your billing period. Your data is always yours - you can export it anytime and re-subscribe whenever you're ready.

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.