Last updated: September 30, 2026
Surplus is an educational planning tool, not financial, tax, or investment advice. Projections use assumptions you enter and are not guaranteed. Consider talking to a licensed professional before making decisions.
Your financial inputs and saved scenarios are stored only in your browser on this device (local storage) — never uploaded to our servers. Our servers only store your account email, your Surplus Pro status, and purchase records from checkout. We never connect to your bank, and we do not sell or share your personal data.
Because scenarios live in your browser, they won't sync to other devices, and clearing your browser data will erase them. You are responsible for keeping your own copies if you need them elsewhere.
Surplus Pro is a one-time payment of $27 for lifetime access to the Pro features described at checkout. Payments are processed by our payment provider; no subscription is created.
Simulation results depend entirely on the assumptions you enter (rates, returns, inflation, taxes). Past market behavior does not guarantee future results, and Surplus makes no promise about any financial outcome.
Use Surplus for your own personal planning. Don't attempt to disrupt the service, access other users' accounts, or resell access.
Surplus is an educational planning tool, not financial, tax, or investment advice. Projections use assumptions you enter and are not guaranteed. Consider talking to a licensed professional before making decisions.
See also our Privacy Policy. · Back to home