Trusted by 180,000+ members
MONEY,
MOVING.
Stop guessing where your money went. Surge shows you, in real time, what’s coming in, what’s going out, and what’s left — no spreadsheets, no drama.
Get Started — it’s free
Watch 90-second demo
No credit card required · Free forever plan available
256-bit Bank-Level Security
Transfers in Under 10 Seconds
Real Humans, 7 Days a Week
The infrastructure behind Surge
VISA
Mastercard
Plaid
Funds held at FDIC-insured partner banks.
Member deposits are covered up to $250,000 through our banking partners.
180,000+
Active members tracking their money with Surge
$40.2M
Saved toward member goals since our 2023
launch
4.7/5
Average rating across 12,400+ App Store and Google Play reviews
Features.
Everything you need to actually understand your money — nothing you have to figure out yourself.
Most finance apps give you data. Surge gives you decisions.
Automated Budgeting & Alerts
Surge auto-categorizes every transaction into 20+ categories and learns your patterns within the first 2 weeks. Get a nudge before you overspend, not a guilt trip after.
Unified Account Dashboard
Connect checking, savings, credit cards, and investment accounts from over 11,000 supported institutions. See your full financial picture updated every 15 minutes.
Personalized Financial Insights
Every Sunday, get a plain-language recap: what changed, what to watch, and one specific action to take — not a wall of charts.
Momentum Goals
Set a goal and watch a live momentum score that reflects your actual pace, not just your balance. Miss a week? Surge recalculates your path, no penalty.
Designed for performance.
Powerful dashboards, fully customizable.
Drag, drop, and resize — build the view that matches how you actually think about money.
Explore all features
How it works.
From download to first insight in
about four minutes.
01
Connect your accounts
Link banks, cards, and wallets through Plaid's encrypted
connection. Takes about 90 seconds for most people, and we
never store your bank login.
02
Set a goal with momentum
Whether it's a $5,000 emergency fund or paying off a
$12,000 balance, Surge shows your velocity, not just your
total, so you know if you're actually on pace.
03
Get a weekly recap, not a daily nag
Every Sunday morning, one email: what moved, what to
watch, one thing to do. No push notifications about your latte.
04
Adjust without starting over
Income changed? Had an expensive month? Surge
recalculates your goal timeline automatically instead of
making you reset everything.
3 Easy Steps
You could be set up
before your coffee
gets cold.
Average setup time: 4 minutes, 12 seconds.
SURGE
Pricing.
Straightforward pricing. No hidden account fees, ever.
Most Popular
Steady
$0
Free forever.
Auto-categorized spending
1 active goal
Monthly recap
Connect up to 3 accounts
Choose Steady
Momentum
$6.99/mo
or $59/year (save 30%)
Unlimited goals
Spending alerts
Shared goals with a partner
Unlimited accounts
Choose Momentum
Surge Pro
$14.99/mo
or $129/year
Everything in Momentum
Investment tracking
Net worth timeline
Tax-ready exports
Priority support (under 1-hour response)
Choose Pro
Cancel anytime. No fees for closing your account. 14-day free trial on Momentum and Pro.
How Surge compares to checking your bank app.
Surge
Bank app
Categorizes spending automatically
Shows goal progress in real time
Works across all your accounts
11,000+ institutions
only their own accounts
Weekly plain-language recap
Human support response time
under 2 hours
varies, often days
Our Manifesto.
Surge is the movement that gets
you into a different relationship
with money.
We built Surge after watching friends abandon every budgeting app within three weeks — not because they lacked discipline, but because the apps made them feel worse about money, not better. Real financial progress isn't a straight line. It has momentum, setbacks, and surges forward. Our product is designed around that truth, not against it.
Read our full story
Your money, actually protected.
Surge is 256-bit encrypted, SOC 2 Type II certified, and never sells your data — not to advertisers, not to anyone. Funds are held at FDIC-insured partner institutions, not by Surge directly.
Plaid-Secured Connections
FDIC-Insured Partner Banks
SOC 2 Type II Certified
Two-Factor Authentication Required
As seen in
The Ledger
Fintech Weekly
Money Morning
#2 Product of the Day
Our Members.
People who stopped
dreading their bank app.
First finance app that doesn't make me feel bad about myself. I check it daily now instead of avoiding it.
J
Jamie, member since 2023
I paid off $6,200 in credit card debt in 8 months just by watching my momentum score drop every time I overspent.
M
Marcus, member since 2022
Support actually answers — I had a card issue at 11pm on a Sunday and got a real reply in 40 minutes.
P
Priya, member since 2024
Switched from three different budgeting apps over two years. Surge is the only one I still open daily, ten months in.
D
Dana, member since 2023
YOUR MONEY.
YOUR PACE.
Join 180,000+ people who stopped dreading their bank app. Free to
start, no credit card required.
Download Surge