Net worth · Live
£29,000 - one number, always current.
Japan 2027£450
of £3,000
Total cash£4,150
212Trading 212Stocks ISA · Connected£8,400
More than a budget app
Your whole money life - in one app.
Net worth, plan and copilot, one journey. Scroll and watch it come together in the app.
Growth · The plan
£1,000 a month, built from your real cash flow.
Income£3,480
Bills-£2,009
Spending-£471
Tracking this month+£388
The whole year projected - tight months flagged before they arrive, a monthly recon keeping it honest.
Ask Surplus · Spend by category
“£1,290 was fixed spending and £533 was flexible.”
Bills & Utilities£900
Loan Payments£245
Food & Drink£197
Shopping£165
Tap any number you see and ask - answers charted from your real transactions.
The picture
Everything in one place
Everything you own and owe - one number.
Banks live-synced through read-only Open Banking, investments and pensions alongside and every debt counted up front.
Net worth · Live
£29,000 - one number, always current.
Japan 2027£450
of £3,000
Total cash£4,150
212Trading 212Stocks ISA · Connected£8,400
The plan
It finds your surplus
See how much you can afford to save.
A £1,000 monthly surplus drawn from your real 12-month cash flow - the whole year projected, tight months flagged.
Growth · The plan
£1,000 a month, built from your real cash flow.
Income£3,480
Bills-£2,009
Spending-£471
Tracking this month+£388
The whole year projected - tight months flagged before they arrive, a monthly recon keeping it honest.
The copilot
Ask about any of it
Ask it anything. It answers from your numbers.
Your actual spending, charted from your real transactions - not generic chatbot advice.
Ask Surplus · Spend by category
“£1,290 was fixed spending and £533 was flexible.”
Bills & Utilities£900
Loan Payments£245
Food & Drink£197
Shopping£165
Tap any number you see and ask - answers charted from your real transactions.
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.
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.