The Idea

Time, not money. Decisions, not tracking.

A balance of €3,000 means nothing without context. "47 days of cover" is immediately legible — everyone understands survival capacity intuitively. This is how founders and CFOs think about runway. Surplus brings that thinking to household finance.

Every euro in extends your runway. Every euro out shortens it. No moral judgement, no guilt about groceries. Just the physics of your financial life, made visible.

Features

Built around one number.

The Buffer

Your primary metric. How many days your household could survive without income, calculated from your real accounts and obligations.

Forward-looking

Not "where did my money go" — but "what can I truly afford right now, given what's coming?" Accounts for remaining obligations in the month ahead.

Insights that earn their confidence

A rebuilt engine reads recurring payments from the bank reference itself — so insurance, loans, and subscriptions stop hiding behind cryptic strings. It surfaces how much income is already locked, and which standing payments are quietly drifting upward. Every signal states its own confidence: Active when the data is ready, Gathering while it builds.

Household sharing

One number, both partners see it. Financial conversations replaced by shared visibility. No more "what did we spend this month?"

Photo capture — no bank login

Photograph a receipt or statement. AI extracts and categorises it. No bank credentials held, no re-authentication flows, no fragile connections.

Smart auto-categorisation

Learns your spending patterns, and your input always outranks its inference. A couple of taps calibrate how flexible your big recurring payments are; every correction trains a persistent merchant mapping that sharpens future imports.