Surplus — Personal Finance OS | Budget Tracker | Bill Tracker | Instant Download
Finally know exactly where your money goes. Surplus is a personal finance dashboard that lives entirely in your browser. No account. No subscription. No app to install. Just open the file and go. It gives you three numbers that actually matter: 💰 What came in — your total income this month 📋 What went out — bills paid + savings moved ✨ What's available — the real number in your pocket WHAT'S INSIDE THE DOWNLOAD ✓ surplus_fresh.html — the full app, opens in any browser instantly ✓ surplus_guide.pdf — complete how-to guide, start to finish WHAT IT DOES • Track all your bills with due dates and categories • Calendar view so you can see everything hitting before your next paycheck • Check off bills as you pay them each month • Log extra spending by category — see your donut chart fill in • Debt Tracker with real payoff dates and interest cost (enter your APR and it does the math) • Savings goals with projected completion dates based on your actual deposit pace • Monthly archive that builds a Year in Review over time • Dark mode, multiple currencies, export your data anytime WORKS FOR EVERYONE Whether you want the simple picture (income in, bills out, here's what's left) or the detailed breakdown (every grocery run, every dinner out, exactly where it went) — Surplus supports both without any complicated setup. 100% LOCAL. 100% PRIVATE. Your data never leaves your browser. Nothing is sent to any server. Nobody sees your numbers but you. Export a backup anytime from Settings. One-time purchase. Yours forever. No updates required. Questions? Message me anytime.
Get it → kayceemarie1.gumroad.com