Keep Above — Future Budget

Most budget apps grade your past spending. Keep Above plans your future — a forward-focused budget app and bill tracker that tells you the one number that matters: how much money you should have right now to cover every upcoming expense.

Add your bills. Add your income. Keep Above does the math.

Hit your safe minimum balance and every bill on your radar is funded. Anything above it is unreserved.

No categories to maintain. No receipts to scan. No "you spent $47 on coffee" guilt-trips. Free to use, with an optional Premium plan for power users.

HOW IT WORKS

Keep Above uses sinking funds — a method commonly used in personal finance planning to prepare for irregular expenses. Rent due in a week? Already counted in your safe minimum. Annual subscription in five months? We track exactly how much of it is already counted in your safe minimum today.

Every day, the app recalculates your safe minimum balance based on the bills and income you've entered. You always know:
• How much of your bills are already funded
• How much money is unreserved
• When your next bill pinch point is

NO BANK LINKING. EVER.

Keep Above is manual-entry by design. We never ask for your bank login, account numbers, or card details — and we couldn't, because we don't connect to your bank at all.

You enter what you want to track. That's it.

FEATURES

• Sinking-fund tally that updates daily — your money, automatically allocated to what's coming
• Bill tracker with quiet reminders only on the days that matter
• Balance vs. reserved calendar — see today and the months ahead at a glance
• Multiple recurrence options — one-time, daily, weekly, fortnightly, monthly, yearly, plus uncommon cycles like 4-weekly, semi-monthly, quarterly, half-yearly, and beyond
• Recurring and one-time income tracking, including irregular paydays and paychecks
• Expense tracker with need-or-want tagging
• Savings goals for the things you actually want to save money for
• Balance projection — see your forecast balance on any future date based on the bills and income you've entered
• Opt-in auto-mark-as-paid so recurring bills clear themselves
• Multi-device sync — pick up where you left off on your phone, tablet, or new device

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

FREE VS. PREMIUM

Free
• One checking account
• Bills, income, and projections up to 1 year ahead
• Saving goals, calendar, reminders — everything that makes the math work

Premium
• Up to 5 accounts
• Savings accounts with APY interest projections and save-up planning
• Credit accounts with APR projections and payoff planning
• Long-range projections up to 10 years ahead — useful for big future expenses, multi-year savings goals, and seeing the longer shape of your finances

SUBSCRIPTION

Premium renews monthly or yearly (yearly saves vs. monthly — see in-app for current local pricing). Payment is charged to your Google Play account. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Google Play settings.

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. Figures shown are calculated from the inputs you provide; always verify against your own records.

Plan forward. Keep above.