Keep Above: Bills & Budget

Most budget apps grade your past spending. Keep Above plans your future — a budgeting app and bill tracker with no bank linking and no expense logging. You enter each bill once, and it shows at a glance how close your balance is to safe: the point where every upcoming bill is covered — and how much is yours to spend before payday.

Add your income and keep your balance updated. That's the whole routine — no daily upkeep.

Your balance sits on a simple status bar. In the safe zone, every upcoming bill is covered and anything above it is yours to spend or save. Below it, you see how far off you are.

No "you spent $47 on coffee" guilt-trips. Free to use, with an optional Premium plan.

EVERY KIND OF BUDGET

Your everyday budget sits in the middle, and every other kind works around your pay:
• Savings — a goal, when you'd reach it, and the interest
• Credit — card balances and interest
• Home loan — what's left, the rate and where each payment goes
• Loans and payment plans — car loans, personal loans, pay-later plans
• Trip plan — a travel budget: places, bookings, who's coming, costs split
• Event plan — a wedding or party budget: deposits, payments, who's paying
• Shopping list — knows what's running out and what the next shop would cost
• Occasions — birthdays, anniversaries and gifts, set aside ahead of time
• Things you own — what the car, phone or sofa costs you a year
• Shared bills — rent and bills split with flatmates or roommates

HOW IT WORKS

Keep Above uses sinking funds — a classic method for irregular expenses. Annual subscription in five months? It tracks how much should be set aside today and recalculates "safe" every day from what you've entered, so you see your next pinch point early.

NO BANK LINKING. EVER.

Does Keep Above connect to your bank? No. It never asks for a bank login, account numbers or card details, uses no open-banking feed and no account aggregator, and works entirely from what you type. Privacy first.

FEATURES

• Live safe-balance bar — one glance shows how close you are to safe
• Quick setup — your balance and pay on one page, then tips show you around
• Bill tracker — every future due date on your radar, with reminders
• Pay-cycle view — income, bills and what's left, payday to payday
• Colour-coded calendar — up to 30 years ahead, each day marked by your balance
• Any pay or bill rhythm — weekly, fortnightly (biweekly), 4-weekly, semi-monthly, monthly, quarterly and yearly
• Savings goals, plus auto goals like "1 Month Ahead" sized from your expenses
• Automatic payday cushion for the lean days between paychecks
• Opt-in auto-mark-as-paid so recurring bills clear themselves
• 28 built-in tools — spending runway, daily allowance, cost of owning, repair vs replace and more
• Share a budget — same bills, same balance, edit or view only
• Works on iPhone, iPad and Android, and a shared budget works across both
• Start without an email address; save your account when you're ready
• Works in your own currency

Projections are estimates based on what you enter. Always verify against your own records before making financial decisions.

FREE VS. PREMIUM

Free
• A budget you're paid into, plus one more of any kind
• Bills, income, goals, calendar and reminders, with projections up to 30 years ahead
• 19 of the 28 tools

Premium
• Up to 10 budgets of any kind, working together
• All 28 built-in tools

SUBSCRIPTION

Premium renews monthly or yearly — see in-app for local pricing. It auto-renews unless cancelled at least 24 hours before the current period ends. Payment is charged to your Apple ID; manage or cancel anytime in Settings > [Your Name] > Subscriptions.

ABOUT

Keep Above is built by Manandai Ltd in New Zealand. It is a planning and projection tool — an educational aid for managing your money. It is not financial advice, and we are not a registered financial adviser.

Plan forward. Keep above.

Terms of Use: https://keepabove.com/terms
Privacy Policy: https://keepabove.com/privacy