One app for every financial complexity you juggle.
It is time to move on from messy Excel sheets and embrace a better solution to manage your finances. Track your portfolio, expenses, and liabilities effortlessly. Perfect for individuals, and beautifully designed for couples and households to build their financial future together.
Free to start · No payment card required · For individuals & households
Built for everyone
Just started earning. Building the first ₹10L.
Two incomes, one plan. Nothing falls through the cracks.
Freelance income that's never the same twice.
Retired. Watching the corpus, not the market.
Assets & net worth
Equity, MFs, gold and more — one net worth number
Expenses, income & bills
Plus credit card due dates, tracked automatically
Goals
Turn savings into a plan with dates
Liabilities
Loans and credit cards alongside your assets
AI insights
Answers in-app — without re-sharing your data
Shared households
Optional — link up with a partner anytime
Portfolio & net worth
Your complete financial picture, updated effortlessly.
Mutual funds, direct equity, gold, real estate, loans and credit cards — synced with live prices and rolled up into a single net worth figure, at an individual or household level.
- Automated price sync across asset classes
- Assets and liabilities managed in one place
- View net worth as you, or easily sync and manage as a household
Expenses & income
Know what came in, what went out — and who paid.
Log income and spending together, split costs equally or custom, and settle up without the awkward math. Recurring bills and credit cards are tracked automatically.
- Equal, custom or solo expense splits
- Category budgets that actually stick
- Credit card due dates tracked, so you never miss one
- Recurring bills & settlements handled for you
Goals
Give every rupee a job and a deadline.
Set a target amount and date for a house, a wedding, or an emergency fund — link SIPs and holdings to it, and watch your progress update automatically.
- SIP planning tied directly to each goal
- Projected vs. required monthly investment
- Shared goals for shared milestones
AI insights
Ask your finances anything — no copy-pasting data.
Your portfolio, expenses, income and goals are already in mySurplus, so AI insights are generated right where your data lives — no exporting statements or repeating yourself to a chatbot.
- Insights generated directly from your live data
- No re-sharing statements or screenshots with anyone
- Spending patterns, net worth trends & savings tips
Shared households
Add a partner whenever you’re ready.
mySurplus works on your own from day one. Want to manage money together? Link accounts with a secure invite code and share one household — every entry, holding and goal visible to you both.
- Fully independent, or shared — your call
- Equal, custom, or solo expense splits
- Settle up without the spreadsheet
How it works
Set up in minutes, not weekends.
Create your household
Sign up solo, or invite your partner to share one household.
Import what you already have
Bring in your CAS, equity holdings and accounts — no manual re-entry.
Track, split, and grow
Log expenses, watch your portfolio, and let goals guide what to save next.
Start seeing your whole financial picture today.
Free to use, for individuals and households alike.
Create your free account