Surplus

Surplus helps you have full control over all transactions in your personal accounts. Just tell it of planed recurrent expenses, any big one-off expenses, and reconcile the account at the end of the month. It's that simple. No receipt scanning or never ending manual data input. It automatically monitors for alarming events, like overdraft, even weeks before they happen by learning from your expense history and patterns.

Most features of Surplus are free and will remain free without any ads. An account is mandatory however to ensure proper storage and encryption of potentially sensitive information, like expense history.

The full experience of surplus, helping you achieve a steady financial surplus, is available via our monthly subscriptions. Our premium features allow you to use Open Banking to connect your account in any bank globally. Surplus reads your payment history and becomes an intelligent assistant planning ahead without any stress. Stop at any time without any time limitation or constraint.