Your whole money life - in one app.
Everything you own and owe as one live number, your surplus pointed at real goals and a transaction feed that's actually yours to edit.
Surplus holds your complete financial picture in one app - bank accounts and cards synced through regulated, read-only Open Banking, investments and pensions connected alongside and every debt tracked with them. It keeps your net worth live, lets you allocate your monthly surplus to pots with real targets and gives you a clean transaction feed you can edit.
Everything you own and owe - one number.
Your banks sync through read-only Open Banking, investments and pensions connect alongside and Surplus even spots the debts in your transactions. Pots earmark cash inside your accounts - a holiday, the emergency fund, a house deposit - each with a real target, none of it hidden from the total.
How secure bank linking works
Tell every pound where to go.
Each month Surplus works out what's genuinely spare - then you point it at goals with real targets and dates. Phase a holiday over the summer, keep the debt plan protected, let AI suggest the split - the £1,000 baseline never lies.
The classic view - done properly.
Every account in one clean feed - search it, filter by account or month and fix anything in seconds. Categories, merchants and multi-currency amounts are all editable, so the record stays right.
Every account, one feed
Banks, cards, savings and investments in one place - filter by account or month and search everything.
Pots with real targets
Earmark cash for a holiday, a house deposit or the emergency fund - each pot tracks progress toward its goal.
Edit anything
Recategorise a payment, rename a merchant, fix a multi-currency amount - the picture stays yours to correct.
Ask AI about anything
Tap any number you see - net worth, a pot, a payment - and ask. Answers come from your real figures.