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Keep Above vs Kern

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 Kern
Detail Keep AboveKern logo Kern
What it doesSee what's safe to spend The to-do app you share with your AI
StageNot given MVP
FoundedNot given Not given
Based inNZ NL
Pricing modelFreemium Not given
PricingFree to download and use; Premium from US$6.99 a month Not given
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
  • Claude AI integration for reading and changing tasks
  • Voice input to add or modify tasks
  • AI-generated next steps with actionable buttons
  • Research with sources
  • Quick Entry on Mac to capture pages and emails
  • Spaces and sections for organizing tasks
  • Subtasks with progress tracking
  • Repeating tasks
  • Offline sync between iPhone and Mac
  • Data export and deletion
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
  • Chat with Claude inside individual tasks while still checking them off in the app
  • Tasks automatically suggest next steps and provide one-tap actions
  • Seamless Mac integration with window capture and menu bar control
  • Never keeps window screenshots and no ads or tracking
Free planNot given Not given
Open sourceNot given Not given
PlatformsNot given Not given
Public APINot given Not given
Community votes00
DR (Domain Rating by Ahrefs)6 no change since last checkNot checked yet no change since last check
Trust Flow (Majestic)160
Citation Flow (Majestic)2314
Referring domains (Majestic)773

4 details filled in for both companies.

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