How Surplus Can Help

Everything Surplus does for your money.

Not just a budget app. Not just a chatbot. A money copilot with a real engine underneath - here’s what that means in practice.

Smarter than a chatbot

Spots what’s shifting and acts first - alerts, levers and answers.

A payslip analyser, plus real UK-tax questions answered.

The one number that’s genuinely yours to spend today.

Tag the joint account once. Surplus splits what’s yours from what’s shared.

Net worth, pots and every transaction - live and editable.

Read-only Open Banking via Yapily. You stay in control.