The budget-app basics - done properly.
Clean, categorised, multi-currency transactions with an AI you can ask anytime. Table stakes, but built the way they should be.
Surplus gets the essentials right: a clean, fast transaction feed, automatic spend-by-category, multi-currency edits and an AI you can ask about anything you see. The table stakes of a budget app - done properly and kept live so the picture is always today’s.
Every transaction, already sorted.
Surplus categorises spending as it lands and keeps your safe-to-spend number live - so the picture you see is always today’s, not last statement’s.
A clean, fast feed
Every transaction in one tidy timeline - no clutter, no lag, no spreadsheet energy.
Spend by category
Surplus sorts spending as it lands, so you can see where the money actually goes at a glance.
Multi-currency edits
Travel or earn abroad? Edit and reconcile transactions across currencies without the mental maths.
Ask AI about anything
Tap a transaction and ask - “what was this?”, “how often do I pay it?” - and get a straight answer.
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.