Surplus Budget & Money Tracker

You're not financially free until you have clarity.

Surplus Budget is a budget tracker, money tracker, expense tracker, cash flow app, and net worth tracker built to bring your full personal finance picture into one place. Track spending, savings, debt, recurring bills, investments, crypto, real estate, vehicles, collectibles, and more so you can see what's safe to spend, what's left to keep, and how every part of your money fits together.

SEE YOUR FULL FINANCIAL PICTURE

Most finance apps show only part of the story. Surplus helps you see where you really stand.

- Track spending, savings, debt, cash flow, and net worth in one app
- Add banking, credit cards, investments, crypto, real estate, vehicles, collectibles, and more
- See everything you own and owe together instead of piecing it together across multiple apps

KNOW WHAT'S SAFE TO SPEND. SEE WHAT'S LEFT TO KEEP.

Surplus is built around the number that matters most: what you're actually keeping each month.

- See fixed, variable, and flexible expenses in one clear budget
- Understand what you can safely spend without losing track of your goals
- See what's left to save, pay off debt, or put toward your future

BUDGETING THAT DOESN'T FEEL LIKE A SECOND JOB

Surplus keeps your money tracker and budget current so you spend less time maintaining it.

- Transactions can import automatically through connected accounts
- Smart categorization learns how you organize spending over time
- Your budget, recurring totals, and cash flow update in real time
- Edit categories, split transactions, and stay in control when you want to

KNOW WHAT'S COMING BEFORE IT HITS

Surplus helps you stay ahead of your money instead of reacting after the fact.

- Track recurring income and bills with accurate monthly impact
- See positive and negative cash flow before the month gets away from you
- Plan for savings goals, debt payoff, and upcoming expenses with more confidence

ONE HUB FOR PERSONAL FINANCE

Surplus is built to be your central hub for personal finance management, not just another spending tracker.

- Budgeting, expense tracking, debt tracking, savings, cash flow, and net worth in one place
- Banking, investments, crypto, real estate, vehicles, and other assets together in one clear view
- One personal finance app for understanding what you spend, what you keep, and where you're headed

FEATURE AVAILABILITY BY REGION

Features vary by country.

- United States: Full Surplus experience, including investments and live property value tracking
- Canada: Bank connection and budgeting features are available. Investments and live property value tracking are not currently available
- Europe: Bank connection and budgeting features are available. Investments and live property value tracking are not currently available

WHY PEOPLE USE SURPLUS

- Full financial picture in one app
- Clear view of what's safe to spend and what's left to keep
- Budget tracker, expense tracker, cash flow app, and net worth tracker in one place
- Less manual work, more clarity, and better financial decisions

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Terms of Service: https://www.surplus-budget.com/terms