Stay Above Kill Line

> What if you could see, at a glance, exactly how much money you can safely spend?
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> Stay Above Kill Line is a personal finance app built around one powerful idea: your Kill Line — the minimum account balance you need to cover every fixed expense, plus a 10% safety buffer. Drop below it, and you can't pay your bills. Stay above it, and everything you have left is truly yours to spend.
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> HOW IT WORKS
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> 1. Add your recurring expenses — rent, utilities, subscriptions, loan payments, insurance, and more.
> 2. The app instantly calculates your Kill Line.
> 3. Enter your current balance and see your True Disposable Balance — the money you can actually spend without worry.
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> No complicated categories. No envelope budgets. Just one clear number that tells you where you stand.
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> KEY FEATURES
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> • Kill Line Dashboard — A visual health score (0–100%) shows how far above or below your safety threshold you are, with clear Excellent / Good / Warning / Danger indicators.
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> • Smart Expense Tracking — Add fixed expenses with flexible frequencies: daily, weekly, bi-weekly, monthly, quarterly, semi-annual, annual, or one-time. Everything is automatically converted to a monthly total.
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> • Built-in US Tax Calculator — Estimate federal income tax (2024 brackets), state income tax (10 states), Social Security, and Medicare. Add all calculated taxes to your expense list with one tap.
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> • Template Library — Get started in seconds with 6 pre-built templates: US Employee (W-2), Renter, Insurance Bundle, Student, Car Owner, and Common Subscriptions. Or create your own custom templates.
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> • Expense Breakdown — Interactive pie chart showing where your money goes, organized by category: Housing, Utilities, Insurance, Subscriptions, Debt Payments, Taxes, Savings Goals, and more.
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> • Days Until Kill Line — See an estimate of how many days until your balance hits the danger zone based on your average daily spending.
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> • iCloud Sync — Optionally sync your data across all your Apple devices using Apple's end-to-end encrypted iCloud infrastructure.
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> • Customizable Reminders — Set daily, weekly, or monthly push notifications to check your financial health at a time that suits you.
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> PRIVACY FIRST
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> Your financial data stays on YOUR device. We collect zero personal information — no name, no email, no location, no analytics, no ads, no third-party tracking. Period. The app works fully offline. iCloud sync is optional and uses Apple's encrypted infrastructure.
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> AVAILABLE IN 7 LANGUAGES
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> English, Simplified Chinese, German, French, Italian, Spanish, and Japanese.
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> WHO IS IT FOR?
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> • Anyone who wants a dead-simple way to know their real spending power
> • People tired of complicated budgeting apps they never stick with
> • Freelancers and employees who want to factor taxes into their planning
> • Students managing tuition, loans, and living expenses
> • Anyone who's ever wondered "Can I actually afford this?"
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> Stop guessing. Start knowing. Stay Above Kill Line.