Stop guessing. Start saving.

9:41
Good evening,
Sam
SW
Safe to spend
£1,594over plan
After current income, bills, essentials and discretionary pacing · day 28 of 30.
Priorities
2 OPEN
MONTHLY WRAP
May finished with a win
Three months cash-positive, and Dining Out stayed under target. Your full wrap is ready.
See your May wrap
Priority 1
Square Up hasn’t landed yet
This planned income is due, so it affects pacing until you confirm the timing.
Review income
Ask AI
Priority 2
Start July Dining Out target
Set Dining Out to £103 for July and trim about £18 a month.
Jul target £103 (−£18)
Set target
Ask AI
Suggested
Pick a starter or just type
Check before payday
Can I afford to move house?
Pay off debt or save?
Afford a new car?
I want to…
9:41
Growth
JUNE 2026
This month’s surplus
ON TRACK
£1,000+£70 ahead
Day 28 of 30 · expected £930 by now
INCOME
+£3,480
SPEND
−£2,480
Breakdown
3 changes since setup
+£78/mo more to allocate
Refine
Levers · spend side
2 ACTIVE
+£117/mo freed → your surplus
Dining Out−£18/mo
£103 target£121 baseline
Travel−£99/mo
£558 target£657 baseline
Add a lever
Manage levers
9:41
Net worth
£41,400
+£1,240 · 30 days
12 MONTHS
Assets£48,200
Debt−£6,800
Cash
£17,050
M
Monzo
Current ··FA08
£950
S
Starling
Personal ··2210
£1,100
N
NatWest
Savings ··1780
£15,000
ADD CASH ACCOUNT
Synced 2m ago · 3 connected
Investments
£31,150
+£840 · 30d
212
Trading 212
Stocks ISA
£8,400
+£200
V
Vanguard
Stocks & Shares ISA
£18,900
+£640
N
Nutmeg
Personal pension
£3,850
+£0
CONNECT INVESTMENT
Debt
£6,800
−£150 · 30d
B
Barclaycard
··4471 · 24.9% APR
£4,200
A
Amex Gold
··1008 · 22.4% APR
£2,100
Z
Zopa loan
£185/moDETECTED
Add balance
K
Klarna
£60/moDETECTED
Add balance
Halifax mortgage
Tracked apart · not in payoff
£284k
View Debts

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.

Join the beta

Now in beta on iOS. Founding testers get a TestFlight invite and their first year free.

How it works

From bank link to goal, in four steps.

Surplus does the maths so you don’t have to. Here’s the whole loop - connect, see, plan, pace.

  1. Step 01

    Connect your bank

    Link your accounts in seconds through regulated, read-only Open Banking. No passwords stored - you choose exactly what to share and can disconnect anytime.

    Account connected

    Read-only · disconnect anytime

  2. Step 02

    Safe to spend

    £1,594

    The one number that’s genuinely yours, paced to day 28 of 30.

    See what’s safe to spend

  3. Step 03

    Set a goal, get a plan

    Tell Surplus what you’re saving for. It builds a balanced, achievable plan from your actual money - not a blank spreadsheet.

    Emergency fund

    Balanced plan · on your income

  4. Step 04

    Stay paced all month

    Live pacing, payslip checks and AI nudges catch shortfalls early and tell you exactly what to fix to stay on track.

    On track
9:41
Growth
JUNE 2026
This month’s surplus
ON TRACK
£1,000+£70 ahead
Day 28 of 30 · expected £930 by now
INCOME
+£3,480
SPEND
−£2,480
Breakdown
3 changes since setup
+£78/mo more to allocate
Refine
Levers · spend side
2 ACTIVE
+£117/mo freed → your surplus
Dining Out−£18/mo
£103 target£121 baseline
Travel−£99/mo
£558 target£657 baseline
Add a lever
Manage levers
9:41
Net worth
£41,400
+£1,240 · 30 days
12 MONTHS
Assets£48,200
Debt−£6,800
Cash
£17,050
M
Monzo
Current ··FA08
£950
S
Starling
Personal ··2210
£1,100
N
NatWest
Savings ··1780
£15,000
ADD CASH ACCOUNT
Synced 2m ago · 3 connected
Investments
£31,150
+£840 · 30d
212
Trading 212
Stocks ISA
£8,400
+£200
V
Vanguard
Stocks & Shares ISA
£18,900
+£640
N
Nutmeg
Personal pension
£3,850
+£0
CONNECT INVESTMENT
Debt
£6,800
−£150 · 30d
B
Barclaycard
··4471 · 24.9% APR
£4,200
A
Amex Gold
··1008 · 22.4% APR
£2,100
Z
Zopa loan
£185/moDETECTED
Add balance
K
Klarna
£60/moDETECTED
Add balance
Halifax mortgage
Tracked apart · not in payoff
£284k
View Debts
9:41
Debts
EDIT
Card & loan balance
−£150 · 30d
£6,800↓ £1,600 since Feb
Halifax mortgage
Long-term · tracked apart
£284k
Balance over time
↓ £1,600 in 6 mo
Card & loan· leftMortgage· right
Your debts
4 TRACKED
B
Barclaycard
··4471 · 24.9% APR · £87/mo interest
£4,200
A
Amex Gold
··1008 · 22.4% APR · £39/mo interest
£2,100
Z
Zopa loan
£185/mo tracked · balance unknown
ADD
K
Klarna
£60/mo tracked · balance unknown
ADD
9:41
Refine
JUNE 2026
Your monthly surplus
ON TRACK
£1,000/mo typical
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
£12,000 projected across the year · driven by 12-month cash flow
Monthly recon
3 changes since setup · +£78/mo to allocate
Review
Edit surplus setup
Income · pension · bills · discretionary

Know what’s safe to spend, every day.

9:41
Growth
JUNE 2026
This month’s surplus
ON TRACK
£1,000+£70 ahead
Day 28 of 30 · expected £930 by now
INCOME
+£3,480
SPEND
−£2,480
Breakdown
3 changes since setup
+£78/mo more to allocate
Refine
Levers · spend side
2 ACTIVE
+£117/mo freed → your surplus
Dining Out−£18/mo
£103 target£121 baseline
Travel−£99/mo
£558 target£657 baseline
Add a lever
Manage levers
  • One clear surplus figure, paced against where you should be by today.
  • On track or over plan - you see it the moment it shifts, not at month-end.
  • Pull a lever and Surplus shows exactly how much it frees toward your goal.
How Safe to Spend works

Your whole money picture, debt included.

9:41
Net worth
£41,400
+£1,240 · 30 days
12 MONTHS
Assets£48,200
Debt−£6,800
Cash
£17,050
M
Monzo
Current ··FA08
£950
S
Starling
Personal ··2210
£1,100
N
NatWest
Savings ··1780
£15,000
ADD CASH ACCOUNT
Synced 2m ago · 3 connected
Investments
£31,150
+£840 · 30d
212
Trading 212
Stocks ISA
£8,400
+£200
V
Vanguard
Stocks & Shares ISA
£18,900
+£640
N
Nutmeg
Personal pension
£3,850
+£0
CONNECT INVESTMENT
Debt
£6,800
−£150 · 30d
B
Barclaycard
··4471 · 24.9% APR
£4,200
A
Amex Gold
··1008 · 22.4% APR
£2,100
Z
Zopa loan
£185/moDETECTED
Add balance
K
Klarna
£60/moDETECTED
Add balance
Halifax mortgage
Tracked apart · not in payoff
£284k
View Debts
  • Cash, investments and debt in one net-worth figure that updates itself.
  • Balances sync from every connected account - nothing to enter by hand.
  • Card and loan payoff tracked up front, the mortgage kept quietly apart.
Explore Transactions

A plan built from your real 12 months.

9:41
Refine
JUNE 2026
Your monthly surplus
ON TRACK
£1,000/mo typical
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
£12,000 projected across the year · driven by 12-month cash flow
Monthly recon
3 changes since setup · +£78/mo to allocate
Review
Edit surplus setup
Income · pension · bills · discretionary
  • A typical monthly surplus drawn from your actual cash flow, not a guess.
  • The whole year projected, tight months and all, so nothing blindsides you.
  • Life changed? The monthly recon flags what shifted and what to reallocate.
Explore Proactive AI
Security & trust

Built to be trusted with your money.

Surplus runs on regulated open banking - the same secure rails your bank uses. You decide what to share and you can disconnect any account in a tap.

Read our privacy policy
  • Regulated open banking
  • Powered by Yapily
  • UK GDPR

  • Your money stays protected

    We connect to your accounts through regulated open banking, never by storing your login. You choose what to link and you can revoke access whenever you want.

  • Your data, your rules

    We only use what’s needed to build and pace your plan. Your information is never sold and it’s protected under UK data-protection law.

  • Locked to you, not a password

    You sign in with Apple - there’s no Surplus password to leak. Your data is encrypted in transit and stays tied to your device.

Read-only by design.

Read-only Open Banking via Yapily. Bank-grade encryption. We can’t move your money.

Stop guessing.
Start saving.

Surplus is in beta on iOS. Join the founding testers - get a TestFlight invite and your first year free.

Join the beta