Keep Above

See what's safe to spend. Keep Above plans the bills ahead of you, so one glance tells you what's truly yours — no bank linking, no logging every purchase.

Most budget apps grade your past spending. Keep Above plans your future — a budget app and bill tracker 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.

Add your recurring bills. Add your income. Keep your balance updated. That's the whole routine — Keep Above does the math and draws the picture.

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.

There's no expense diary to keep — day-to-day spending already shows up in your balance, so updating that one number refreshes the whole picture.

NO BANK LINKING. EVER.

Keep Above is manual-entry by design. We never ask for your bank login, account numbers, or card details — we don't connect to your bank at all. You enter what you want to track.

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 — starter goals included • Seconds-a-day upkeep — update your balance and you're done; log individual purchases only if you want to • Bill tracker that keeps every due date on your radar • Pay-cycle view — income, bills and what's left, laid out payday to payday • Colour-coded calendar — months ahead at a glance, 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 — a buffer for the lean days between paychecks • Opt-in auto-mark-as-paid so recurring bills clear themselves • 25 built-in tools — spending runway, daily allowance, cost of owning, repair vs replace and more

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 and calendar — everything that makes the math work • 16 of the 25 tools

Premium • Up to 10 accounts • All 25 tools • Savings accounts with APY interest projections and save-up planning • Credit accounts with APR projections and a debt payoff plan — see your estimated debt-free date • Long-range projections up to 10 years ahead

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