Surplus Open the web app

Know you're OK.

Surplus is what will be left the day before payday. See every euro coming and going, months ahead, together.

Open the web app See how it works

Free to start. No ads. Your financial data is stored in the EU.

Peace of mind in three steps

  1. Tell it what you have

    Add your accounts and today's balances. It takes about ten seconds to update them.

  2. Describe your plan

    Income, bills, subscriptions and day-to-day budgets. No need to log every coffee.

  3. Know where you stand

    One clear answer: all good, keep an eye on it, or act. Every number explains itself.

See what is coming, not just what happened

Board

Am I OK right now?

The board answers first: your status, your surplus (what will be left the day before payday) and what is free to spend each day.

The Board screen of the Surplus app, with a demo household

Timeline

Every euro, day by day

Scroll through the coming months and see each payment and paycheck land, with your balance behind it.

The Timeline screen of the Surplus app, with a demo household

Plan ahead

Can we afford this?

Check a purchase or a transfer to savings and see how it changes the months ahead, before you commit.

The Plan ahead screen of the Surplus app, with a demo household

Outlook

The next three years

See what is left for a safety net and what your holidays really cost.

The Outlook screen of the Surplus app, with a demo household

Built for households, private by design

Simple pricing

Plus gives you more depth. Free never hides your data.

Plus: €2.49 per month or €19.99 per year. 14-day free trial. One subscription per household: every member gets Plus.

What you getFreePlus
Board, Surplus for this and next pay month, free to spend, savings suggestion, purchase checkIncludedIncluded
Board: your choice of hero and tilesSurplus hero, 4 tilesAll 4 heroes, 6 tiles
Timeline3 months12 months
Insights: where your money goesTop 3 categoriesEvery category
Insights: which months are tightUntil payday12 months and why
Insights: what if you changed somethingOne exampleIncluded
3-year outlook, holiday budgets, known changesCurrent year previewIncluded
Scenarios (compare plan variants)Not includedUp to 3
Household membersOwner + 1 viewerUp to 6, editor roles
Households you own1Up to 5
Statement import (CSV, XLSX), Spending vs plan and budget calibrationNot includedIncluded
Reports (CSV, XLSX, monthly PDF)Not includedIncluded
Automatic backups to Google DriveNot includedIncluded
Push remindersIncludedIncluded
Data export (JSON) and deletionIncludedIncluded

Questions

What is my surplus?

Your surplus is what will be left in your current accounts the day before your next payday, after income, bills, card debits and day-to-day budgets, before any planned savings transfers. It is the app's main figure, and your savings suggestion is based on it. Free to spend is different: what you can spend now without going under your buffer.

Is Surplus an expense tracker?

No. Trackers look back and ask you to log every purchase. Surplus looks ahead from your balances and your plan.

Do you connect to my bank?

No. We never ask for bank credentials. You update balances yourself and can import statements. CSV and XLSX statements are read on your device.

Where is my data stored?

Your household data and your profile: in the EU (Google Cloud, Belgium). Our providers keep your sign-in details, the emails we send (household invitations and the newsletter) and your subscription status in the United States, and may process technical data such as crash reports there too (see the privacy policy, §8). We do not sell your data and we show no ads.

What does Insights show?

Where your money goes, which months are tight, and what your figures would read if a bill or a budget in your plan had a lower amount. Free shows your top 3 cost categories, what is still to come before payday and one example; Plus shows every category, the next 12 months with why the lowest balance falls where it does, and the full What if screen. These are estimates from your own plan, not advice.

Can I use it with my partner?

Yes. Invite the people you share money with to your household.

Which devices are supported?

iOS, Android and the web app, all kept in sync.

Follow the launch

Occasional news about Surplus. No spam, unsubscribe in one click.

Know you're OK.

Start free in your browser. The iOS and Android apps use the same account.

Open the web app

App Store and Google Play links appear here at launch.