Surplus
How long could
you last?
Most people measure financial health in euros. Surplus measures it in days. "47 days of cover" is more legible — and more honest — than any balance sheet.
Surplus
Most people measure financial health in euros. Surplus measures it in days. "47 days of cover" is more legible — and more honest — than any balance sheet.
The Idea
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
Your primary metric. How many days your household could survive without income, calculated from your real accounts and obligations.
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.
One number, both partners see it. Financial conversations replaced by shared visibility. No more "what did we spend this month?"
Photograph a receipt or statement. AI extracts and categorises it. No bank credentials held, no re-authentication flows, no fragile connections.
Learns your spending patterns. Every correction improves future suggestions. Manual and photo-captured transactions improve together.
Set up your recurring income and expenses once. Each month inherits the baseline — you only update what changed.
Your Buffer visible on your home screen. Check your runway without opening the app.
No advertising, no data selling. Photos are processed and deleted. Nothing is stored that doesn't need to be.
The App
