Stop guessing. Start saving.

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. 50 founding places, each one with Surplus Pro free for life.

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

Your accounts, investments and debt in one place.

  • Banks live-synced through read-only Open Banking - investments and pensions right alongside.
  • Earmark savings into pots so money that has a job stays out of what’s spendable.
  • Card and loan payoff counted up front - even the repayments it spots before you add them.
See the complete picture

See how much you can afford to save.

  • A typical monthly surplus drawn from your real 12-month cash flow, not a guess.
  • The whole year projected, tight months flagged, so nothing blindsides you.
  • A monthly recon keeps the number honest as your life changes.
How Safe to Spend works

Put your savings to good use.

  • Split your surplus across debt, LISA, pension and investments with sliders, not spreadsheets.
  • Tax boosts surfaced where they apply - +25% on a LISA, up to 40% relief on a SIPP.
  • Apply the whole month in one tap and every pound gets a destination.
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.