Productivity & Personal Tools
Keep Above
See what's safe to spend
A budgeting app that calculates the balance needed to cover upcoming bills and income, with day-by-day projections up to 30 years ahead.
Overview
A look at keepabove.com
Keep Above is a budgeting app designed for people who prefer not to log every purchase. You enter each bill and your income once, then keep your balance current periodically. The app calculates the balance needed to cover everything coming due and projects your balance and sinking funds forward day by day, up to 30 years ahead.
The app shows no spending history and has no bank connection, so it works the same in any country. Key features include a live safe-balance bar, bill tracker with reminders on important days, pay-cycle view, colour-coded calendar, support for any recurrence pattern, savings goals, and built-in money tools based on the bills and paydays entered.
After initial setup, the app requires minimal upkeep—just keeping one number current: your balance. There is nothing to reconnect and nothing imported to categorise. Your day-to-day spending shows up automatically the next time you update the balance.
Feature notes
- 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
Pricing
Pricing model: Freemium
Free to download and use; Premium from US$6.99 a month
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FAQ
- What does Keep Above do?
- It calculates the balance you need today to cover every bill that is still coming, and shows how far your real balance sits from that line. Bills and income go in once as repeating items, your sinking funds are worked out from them, and the whole picture is projected forward so a tight spot shows before it lands rather than after.
- How much upkeep does it need?
- You enter each bill and your income once, then keep one number current: your balance. There is nothing to reconnect because there is no bank connection, and nothing imported to categorise because nothing is imported.
- What does it not do?
- It keeps no spending history and no categorised record of where your money went. It does not capture transactions, does not know your real balance unless you enter it, and does not move money or pay bills. If you want a record of the past rather than a view of what is coming, Keep Above is not built for that.
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