Keep Above vs Harmony

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Keep Above compared with Harmony
Detail	Keep Above	Harmony
What it does	See what's safe to spend	The weekly planner for all your roles
Stage	Not given	Startup
Founded	Not given	2024
Based in	NZ	US
Pricing model	Freemium	Freemium
Pricing	Free to download and use; Premium from US$6.99 a month	$9.99 per year or $19.99 for lifetime access. Both include mission statements, role-based weekly planning, reminders, alarm notifications, and Home Screen widgets.
Key features	Live safe-balance bar showing how far your balance sits from covering every upcoming bill Manual entry by design with no bank login or account details Bill tracker with reminders on important days Pay-cycle view showing income, bills and remaining balance Colour-coded calendar marking daily balance status Support for any recurrence pattern Savings goals including auto goals sized from expenses Built-in money tools on bills and paydays	Personal mission statement builder Role-based weekly planning High-impact weekly goals Alarm notifications that bypass Do Not Disturb Home Screen widgets for mission and goals Apple Calendar sync Local-first encrypted storage Optional AI mission statement drafting
What makes it different	No bank connection means it works the same in any country Projects balance forward day by day up to 30 years ahead Shows what's coming before a tight spot lands rather than after Minimal upkeep after setup—only need to keep balance current No spending history or transaction categorisation required	Mission-driven approach focusing on values and purpose rather than task lists Meditation-like mission statement creation in 10 minutes Local-first privacy with encrypted on-device storage Alarm notifications that bypass Do Not Disturb for accountability
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	6 no change since last check	33 −1 (down) since last check
Trust Flow (Majestic)	16	9
Citation Flow (Majestic)	23	32
Referring domains (Majestic)	77	184

6 details filled in for both companies.

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