Engineer, Chartered accountant (ICAS). Building Surplus, a UK financial management app
London
Joined June 2020
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Finally got my Surplus, a UK Budget App out there on Testflight.
Connects to your actual bank
Currently at 47 testflight users
Looking for some more
testflight.apple.com/join/aq…
Sign up, free for life as thanks
Feedback needed!
Your net worth can jump £2,400 overnight and mean nothing. Payday lifts cash, then the month spends it back down.
Compare the same point in each pay cycle and the real change shows up. How to calculate it (UK):
surplusapp.co.uk/guides/net-…
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Your take-home pay isn't your disposable income.
On a £30,000 salary in England, £2,009 a month lands in the bank. Take off Council Tax and the ONS figure is £1,854.
Every line worked through, from gross pay to surplus: surplusapp.co.uk/guides/what…
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Moved all our projects away from Railway to AWS. Took 4 days but was worth it!
3 strikes:
1. Env Leak 22nd October.
2. Pentesting on customers accounts
3. General stupidity /nonchalant behaviour of some of their employees on X
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Cancelling a Direct Debit stops the money. It doesn’t end the contract.
Surplus spots your recurring bills and subscriptions for you. Track your bills for free.
surplusapp.co.uk/guides/how-…
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Every rent calculator: spend 30% of your salary.
Surplus: here’s what is actually left after your real bills, your savings and this rent.
surplusapp.co.uk/guides/how-…
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Most budget apps handle annual bills with a sinking fund ie save a 1/12th each month so the big month actual month doesn't hurt.
Surplus does it differently! It finds each bill in your transactions, puts it in the month it lands and that months savings shrink instead automatically.
surplusapp.co.uk/guides/sink…
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Looks like the time has finally come to migrate from railway to a real provider like aws
Thanks for the memories railway
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The "60% tax trap" isn't a tax rate. Between £100,000 and £125,140 each extra £1 costs 60p in Income Tax, and £100,001 removes the whole Tax-Free Childcare top-up.
surplusapp.co.uk/guides/60-p…
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Been spending the last few days working on significantly optimising Copilot latency (vs answer quality). Simple spending questions are now answering in ~4 seconds which im v happy with
Currently at 47 testflight users, looking for more. Free for life if you join! testflight.apple.com/join/aq…
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Asked my app how much I have spent on AI tools in the last 12 months. £8k / $10k 😭
Claude 3x Max + credits, Cursor Pro, OpenAI + credits. A year ago, one sub was enough. Now the newer models absolutely inhale tokens and I keep adding “just one more” sub mid-flow.
Anyone else at $5–10k+ in AI dev costs? Starting to wonder if a full-time dev would’ve been cheaper 😂
App is currently free: testflight.apple.com/join/aq…
Astra is honestly a terrible model and the guys at openai will try and gas light you and say its a prompting issue lol
Fable 5.1 is several tiers clear of Astra. Its so far clear of Astra that Astra is a dot in the rear-view mirror to Fable
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Payslip smaller this month? It is almost always one of five things: the code changed, a W1/M1/X marker appeared, gross moved, a deduction started or jumped, or two employers paid you in one month. Here is how to tell which, and which ones fix themselves. surplusapp.co.uk/guides/why-…
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Shiv retweeted
Some Life News - I'm currently a free agent, sadly my time at Sentry didn't work out. So I'm currently open to new opportunities. If anyone is interested I'm keen on focusing on a role in the mobile domain and it's intersection with AI as that's something that interests me given my work on XcodeBuildMCP and AXe. I'm also open to other opportunities as well outside of mobile in the AI or developer tooling space. Please reach out!
The 50/30/20 rule is measured on takehome pay, not salary. Most UK guides get that wrong.
How to work out your own three shares and what a needs share above 50% actually tells you. surplusapp.co.uk/guides/50-3…
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