Needs your attention
Budget
Unlock your surplus
Confirm a starter plan that keeps spending inside income.
Open surplus setupAsk Surplus
A new account starts blind - no number until the plan exists.
Not just a budget app
Safe to Spend, explained.
From a fresh account to the one number that matters. Scroll and watch it unlock in the app.
Surplus set-up · Steps 1-2
£3,480 in, £1,985 of bills - already found.
ACME · 1 connected salary£3,480
12 recurring payments-£1,985
Detected from your real transactions - you just confirm each step.
Step 3 · Your discretionary spend
−£456.58+
12m average£507
Pre-set from your 12-month history - trim it £25 at a time if you want more surplus.
Surplus saved
£1,039 a month, every month from now on.
That’s a year of surplus£11,912
Income minus bills minus spending, month by month. No savings target, just surplus.
Back on Home
£503
safe to spend
Counted the moment the plan saved - one number at the top of your day.
The fresh start
No number yet
Day one: nothing is safe to spend.
A new account starts blind. One card on Home with one job: unlock your surplus.
Needs your attention
Budget
Unlock your surplus
Confirm a starter plan that keeps spending inside income.
Open surplus setupAsk Surplus
A new account starts blind - no number until the plan exists.
The defaults
It finds your money
Income and bills, already found.
£3,480 from ACME and £1,985 of bills, detected from your real transactions - you flick through and confirm.
Surplus set-up · Steps 1-2
£3,480 in, £1,985 of bills - already found.
ACME · 1 connected salary£3,480
12 recurring payments-£1,985
Detected from your real transactions - you just confirm each step.
The tune
One knob, if you want it
Trim the spend. Watch it move.
Discretionary is pre-set from your 12-month history - nudge it down £25 at a time for more surplus.
Step 3 · Your discretionary spend
−£456.58+
12m average£507
Pre-set from your 12-month history - trim it £25 at a time if you want more surplus.
The unlock
It commits
Surplus saved: £1,039 a month.
Income minus bills minus spending, month by month - £11,912 across the year ahead.
Surplus saved
£1,039 a month, every month from now on.
That’s a year of surplus£11,912
Income minus bills minus spending, month by month. No savings target, just surplus.
The number
What it was all for
Safe to spend: £503.
Back on Home, Surplus counts what’s safe and puts one number at the top of your day.
Back on Home
£503
safe to spend
Counted the moment the plan saved - one number at the top of your day.
Why most “left to spend” numbers lie
Most apps show your balance minus what you’ve spent. But that number still includes rent, bills, subscriptions and the cash you meant to save - money that isn’t really free. So it tells you that you have plenty, right up until you don’t.
How Surplus calculates it
Surplus connects to your accounts through read-only Open Banking, then subtracts what’s already committed - upcoming bills, recurring subscriptions and your goal contribution - from what’s actually coming in. What’s left is your Safe to Spend, recalculated as life happens.
The rest of Surplus.
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