Keep Above: Bills & Budget

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

Enter each bill once, add your income, and keep your balance updated. That's the whole routine — no bank link required, no daily upkeep.

Your balance lives on a simple status bar. In the safe zone, every upcoming bill is accounted for — anything above it is yours to spend or save. Below it, you see exactly how far you are from safe, so you can ease off before a bill lands short.

No logging every purchase. No category budgets to balance. No receipts to scan. No "you spent $47 on coffee" guilt-trips. Free to use, with an optional Premium plan.

HOW IT WORKS

Keep Above uses sinking funds — a classic method for preparing for irregular expenses. Rent due next week? The bar already accounts for it. Annual subscription in five months? We track how much should be set aside today.

Every day, the app recalculates where "safe" sits from the bills and income you've entered — so you always know where you stand, what's spoken for, and when your next pinch point is.

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 if you're safe, and how far to go if not
• Guided quick setup — pick from common bills, add income and balance, done in minutes
• Seconds-a-day upkeep — update your balance and you're done; no expense diary, log purchases only if you want to
• Bill tracker — enter a bill once and every future due date is on your radar
• Pay-cycle view — income, bills and what's left, laid out payday to payday
• Colour-coded calendar — up to 30 years ahead, each day marked by where your balance stands
• Any recurrence — one-time, daily to yearly, plus odd cycles like 4-weekly, quarterly
• Income tracking, including irregular paydays
• Need-or-want tagging and a category map — see what's negotiable when money's tight
• Savings goals — plus optional auto goals like "1 Month Ahead" that size themselves 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
• Trip plans — a budget with an end date and the people going: the journey day by day, costs split and settled up

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

FREE VS. PREMIUM

Free
• One budget — checking, savings or credit, your choice
• Bills, income, and projections up to 30 years ahead
• Saving goals and calendar — everything that makes the math work
• 19 of the 28 tools

Premium
• Up to 10 budgets — checking, savings and credit cards side by side
• All 28 tools
• Savings budgets with APY interest projections and save-up planning
• Credit cards — balance and APR interest projected alongside your other budgets

SUBSCRIPTION

Premium renews monthly or yearly — see in-app for current local pricing. Payment is charged to your Apple ID. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. 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://app.termly.io/policy-viewer/policy.html?policyUUID=e7a123b6-da8d-4174-88ef-1d04460d6059