Stop guessing.
Start saving.
Not another budget app. Not another AI chatbot. A money copilot with a real engine underneath - built by a chartered accountant and it never makes the numbers up.
Now in beta on iOS. Founding testers get a TestFlight invite and their first year free.
From bank link to goal, in four steps.
Surplus does the maths so you don’t have to. Here’s the whole loop - connect, see, plan, pace.
- 01
Connect your bank
Link your accounts in seconds through regulated, read-only Open Banking. No passwords stored - you choose exactly what to share and can disconnect anytime.
- 02
See what’s safe to spend
Surplus reads your real cash flow - bills, subscriptions, income - and surfaces the one number that matters: what’s safe to spend before payday.
- 03
Set a goal, get a plan
Tell Surplus what you’re saving for. It builds a balanced, achievable plan from your actual money - not a blank spreadsheet.
- 04
Stay paced all month
Live pacing, payslip checks and AI nudges catch shortfalls early and tell you exactly what to fix to stay on track.
AI that closes the loop on your money.
Set a budget and Surplus quietly watches for what shifts. When coffee spend creeps up, it lands a priority on your home screen, sets the lever for you, answers the questions you ask - and tells you when the win is in the bank.
Explore Proactive AIBuilt to be trusted with your money.
Surplus runs on regulated open banking - the same secure rails your bank uses. You decide what to share and you can disconnect any account in a tap.
- Regulated open banking
- Powered by Yapily
- UK GDPR
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Your money stays protected
We connect to your accounts through regulated open banking, never by storing your login. You choose what to link and you can revoke access whenever you want.
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Your data, your rules
We only use what’s needed to build and pace your plan. Your information is never sold and it’s protected under UK data-protection law.
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Locked to you, not a password
You sign in with Apple - there’s no Surplus password to leak. Your data is encrypted in transit and stays tied to your device.
A starter plan, not a blank spreadsheet.
Surplus reads your real cash flow and auto-generates a balanced plan - monthly income, fixed costs, essentials, lifestyle - sized toward a savings goal you can actually hit.
How Safe to Spend worksPaid less than expected? You’ll know first.
Surplus reconciles every payslip against your assumptions - flags shortfalls, tracks pay changes and tells you exactly how much income to expect this month.
Meet the Tax HelperYour month, in one read.
Stop guessing.
Start saving.
Surplus is in beta on iOS. Join the founding testers - get a TestFlight invite and your first year free.
Join the beta