Built by a chartered accountant, not a chatbot.
Surplus exists because knowing what’s safe to spend shouldn’t require a spreadsheet - or a finance degree.
Shiv Patel
Founder & Chartered Accountant
I’m a chartered accountant who was quietly off-track on my own savings goal - not because I couldn’t do the maths, but because no app actually did it for me. They showed me a balance and called it “budgeting”.
So I built the tool I wanted: a copilot with a real budget and UK-tax engine underneath - one that understands PAYE, National Insurance, student loan thresholds and salary sacrifice, tells you what’s genuinely safe to spend and paces you to the goal that matters.
A real engine, not a chatbot
Surplus runs on an actual budget and tax model. The AI explains the numbers - it doesn’t invent them.
Genuine UK tax depth
PAYE, NI, student loan and salary sacrifice are modelled properly - the depth a chartered accountant would expect.
Trusted with your money
Read-only Open Banking via Yapily. Bank-grade encryption. We can’t move your money.
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.
Read-only Open Banking via Yapily. Bank-grade encryption. We can’t move your money.