Surplus Money

Stop budgeting - budgets look backwards. Smart money looks forwards. Track your Buffer - see exactly how many days your money lasts if income stops.

Buffer Not A Budget! • Your Buffer is the number of days you can cover essentials if income stopped tomorrow. Not a budget. Not a forecast. A clear answer to the question that actually matters: how long have I got?

Import in seconds • Screenshot or photograph any bank statement. Surplus reads it, imports the transactions, and auto-categorises. Works with any bank, any country, any currency.

Learns as you go • Correct a category once and Surplus remembers. The more you use it, the sharper it gets.

What Surplus does • Shows your Buffer in days, updated every time money moves • Replaces mental maths and budget stress with one honest number • Keeps households aligned with a shared view

How it works • Set up a Typical Month — your income and essential expenses • Add your account balances • Import transactions by photo, screenshot, or manual entry • See your Buffer instantly and watch it evolve

Why it works • Clear: one number, no dashboards to decode • Simple: no categories to set up, no rules to configure • Global: works anywhere, any bank, any currency • Private: photos are processed then deleted, no ads, no data selling • Shared: household view removes awkward money conversations • Honest: shows whether this month built or burned your Buffer

Subscription Terms Payment will be charged to your Apple ID account at confirmation of purchase. Surplus Money Premium automatically renews unless auto-renew is turned off at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the price shown at time of purchase.

Subscriptions can be managed and auto-renewal turned off in your App Store account settings after purchase. Any unused portion of a free trial, if offered, will be forfeited if you purchase a subscription.

Surplus Money is an information and budgeting tool only and does not provide financial or investment advice. Read more about our terms and policies here: • Privacy Policy: https://www.ensoventures.org/surplusmoneyprivacy • Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/