Keep Above vs timeletter

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 timeletter
Detail	Keep Above	timeletter
What it does	See what's safe to spend	Write letters to your future self to be delivered on a date you choose
Stage	Not given	Not given
Founded	Not given	Not given
Based in	NZ	AT
Pricing model	Freemium	Free
Pricing	Free 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	Write letters with thoughts, goals, or memories Choose delivery date in weeks or years Encrypted and secure storage Email delivery at scheduled time
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	Helps you connect with your future self through digital correspondence Focuses on self-reflection and mental well-being
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	2 no change since last check
Trust Flow (Majestic)	16	9
Citation Flow (Majestic)	23	6
Referring domains (Majestic)	77	46

5 details filled in for both companies.

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