Keep Above

Future Budget

Only for iPhone

Free · In‑App Purchases

iPhone

See what's safe to spend. Keep Above plans the bills ahead of you, so one glance tells you what's truly yours — no bank linking, no logging every purchase. Most budget apps grade your past spending. Keep Above plans your future — a budget app and bill tracker that shows, at a glance, how close your balance is to safe: the point where every upcoming expense is covered — and how much is truly yours to spend. Add your recurring bills. Add your income. Keep your balance updated. That's the whole routine — Keep Above does the math and draws the picture. Your balance lives on a simple status bar. In the safe zone, every upcoming bill is accounted for — anything above it is yours to spend or save. Below it, you see exactly how far you are from safe, so you can ease off before a bill lands short. No logging every purchase. No category budgets to balance. No receipts to scan. No "you spent $47 on coffee" guilt-trips. Free to use, with an optional Premium plan. HOW IT WORKS Keep Above uses sinking funds — a classic method for preparing for irregular expenses. Rent due next week? The bar already accounts for it. Annual subscription in five months? We track how much should be set aside today. Every day, the app recalculates where "safe" sits from the bills and income you've entered — so you always know where you stand, what's spoken for, and when your next pinch point is. There's no expense diary to keep — day-to-day spending already shows up in your balance, so updating that one number refreshes the whole picture. NO BANK LINKING. EVER. Keep Above is manual-entry by design. We never ask for your bank login, account numbers, or card details — we don't connect to your bank at all. You enter what you want to track. FEATURES • Live safe-balance bar — one glance shows if you're safe, and how far to go if not • Guided quick setup — pick from common bills, add income and balance, done in minutes — starter goals included • Seconds-a-day upkeep — update your balance and you're done; log individual purchases only if you want to • Bill tracker that keeps every due date on your radar • Pay-cycle view — income, bills and what's left, laid out payday to payday • Colour-coded calendar — months ahead at a glance, each day marked by where your balance stands • Any recurrence — one-time, daily to yearly, plus odd cycles like 4-weekly, quarterly • Income tracking, including irregular paydays • Need-or-want tagging and a category map — see what's negotiable when money's tight • Savings goals — plus optional auto goals like "1 Month Ahead" that size themselves from your expenses • Automatic payday cushion — a buffer for the lean days between paychecks • Opt-in auto-mark-as-paid so recurring bills clear themselves • 25 built-in tools — spending runway, daily allowance, cost of owning, repair vs replace and more Projections are estimates based on what you enter. Always verify against your own records before making financial decisions. FREE VS. PREMIUM Free • One checking account • Bills, income, and projections up to 1 year ahead • Saving goals and calendar — everything that makes the math work • 16 of the 25 tools Premium • Up to 10 accounts • All 25 tools • Savings accounts with APY interest projections and save-up planning • Credit accounts with APR projections and a debt payoff plan — see your estimated debt-free date • Long-range projections up to 10 years ahead SUBSCRIPTION Premium renews monthly or yearly — see in-app for current local pricing. Payment is charged to your Apple ID. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > [Your Name] > Subscriptions. ABOUT Keep Above is built by Manandai Ltd in New Zealand. It is a planning and projection tool — an educational aid for managing your money. It is not financial advice, and we are not a registered financial adviser. Plan forward. Keep above. Terms of Use: https://app.termly.io/policy-viewer/policy.html?policyUUID=e7a123b6-da8d-4174-88ef-1d04460d6059

Ratings & Reviews

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NEW · Tools A whole Tools section, reached from the dashboard — 25 tools, from quick calculators to read-outs of your own numbers. How long your balance lasts, what an hour of work buys, what owning something costs a year, trip money, and more. 16 are free; the rest come with Premium. NEW · Compare tools Nine of them put two ways of covering the same need side by side — new or used, own or hire, repair or replace, rent or buy. Each shows both figures and leaves the choice with you. NEW · Works offline Changes now save on your device even without a connection, and sync when it returns. A banner shows while you're offline. NEW · Currencies A currency for the app — 147 to search from — and any account can carry its own. Figures stay as entered; the currency changes how they're shown. NEW · Settings Choose how thousands are grouped (10,000 or 10 000), and how many days an unpaid bill keeps counting against the balance — one to seven past its due date. IMPROVED · Savings goals What a goal has saved so far can be set to any amount up to its target, straight from Reserved funds. FIXED A goal created with money already saved now shows exactly what was entered.

Version 2.3.7

The developer, Heinrich van der Merwe, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Financial Info
    • Contact Info
    • User Content
    • Identifiers
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Heinrich van der Merwe
Size
  • 167.9 MB
Category
  • Finance
Compatibility
Requires iOS 15.0 or later.
  • iPhone
    Requires iOS 15.0 or later.
  • iPod touch
    Requires iOS 15.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Keep Above Premium $49.99
  • Keep Above Premium $69.99
  • Keep Above Premium $6.99
  • Learn More
Copyright
  • © 2025 Manandai Ltd
  • Privacy Policy
  • License Agreement