Surplus Money

Your bank balance is a number without meaning. Surplus turns it into the one that matters: how many days your household could keep going if income stopped tomorrow.

That number is your Buffer. Founders run companies on it — they call it runway. Surplus brings it home.

NOT ANOTHER BUDGETING APP
Most budgeting apps are abandoned within weeks: one category goes red, guilt sets in, the app gets deleted. Surplus is the budget app alternative — no envelopes, no red warnings, no judgement. Every euro in extends your days of cover; every euro out shortens them. It's physics, not a verdict — and that's why it sticks.

ONE SHARED NUMBER FOR YOUR HOUSEHOLD
Almost half of couples avoid money conversations just to keep the peace. Surplus replaces the conversation with a number you both trust: your partner joins with a code and sees the same Buffer, live. Household finance without the monthly summit, the spreadsheet, or the surprises.

NO BANK LOGIN. EVER.
Photograph any bank statement — any bank, any country, any currency — and Surplus reads the transactions in seconds. It is an expense tracker with no credentials to hand over, no aggregator in the middle, no "reconnect your account" loop. Photos are processed, then deleted. Your bank details never leave your bank.

SEE WHAT QUIETLY ERODES YOUR POSITION
• Locked income: how much of your pay is already committed before you make a single choice
• Recurring cost drift: which standing payments are creeping upward, and what that costs you in days of cover

ALWAYS KNOW WHERE YOU STAND
• Home screen widget with your live Surplus — money clarity without opening the app
• Next month projected today, from your own typical month — a budget planner that looks forward, not back
• Calculators for the real decisions: pay down the loan, build the buffer, or invest?

SUBSCRIPTION
Set up in under 5 minutes, see your real Buffer, then decide — 7-day free trial. One subscription covers your entire household.

PRIVACY
No ads. No data selling. Export everything or delete everything, any time.

Surplus Money is an information tool only and does not provide financial or investment advice.

Subscriptions
Payment will be charged to your Google Play account at confirmation of purchase. Your subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Google Play Store account settings. Any unused portion of a free trial, if offered, will be forfeited when you purchase a subscription.

Policies
• Privacy Policy: https://ensoventures.org/surplus/privacy/
• EULA: https://ensoventures.org/surplus/eula/