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Keep Above vs Simple Memo

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 Simple Memo
Detail Keep AboveSimple Memo logo Simple Memo
What it doesSee what's safe to spend AI auto-tagging voice notes to email and Obsidian
StageNot given Startup
FoundedNot given 2026
Based inNZ JP
Pricing modelFreemium Not given
PricingFree to download and use; Premium from US$6.99 a month Free: up to 3 sends per day, no time limit. Premium Monthly: $2.99/month for unlimited sends. Premium Yearly: $29.99/year for unlimited sends.
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
  • 0.4-second launch time (warm start on iPhone 16e)
  • One-tap send to email
  • On-device voice input (iOS 16+)
  • AI auto-tagging with title, tags, and type
  • Offline Outbox with auto-resend
  • AES-GCM-256 encryption for stored data
  • Obsidian integration without plugin
  • Apple Watch support
  • Send history and resend capability
  • No account required
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
  • On-device AI tagging that never leaves your iPhone
  • Memobodies not persistently stored on servers
  • Built as a direct Captio replacement with modern technology
  • Works offline with automatic retry when reconnected
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 check14 −1 (down) since last check
Trust Flow (Majestic)1619
Citation Flow (Majestic)2330
Referring domains (Majestic)77156

5 details filled in for both companies.

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