Stay Above Kill Line
Utilities
$0.99 · Designed for iPad. Not verified for macOS.
Know your real spending power. Stay Above Kill Line calculates the minimum balance you need to cover all fixed expenses — so you always know what you can truly afford.
> What if you could see, at a glance, exactly how much money you can safely spend?
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> Stay Above Kill Line is a personal finance app built around one powerful idea: your Kill Line — the minimum account balance you need to cover every fixed expense, plus a 10% safety buffer. Drop below it, and you can't pay your bills. Stay above it, and everything you have left is truly yours to spend.
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> HOW IT WORKS
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> 1. Add your recurring expenses — rent, utilities, subscriptions, loan payments, insurance, and more.
> 2. The app instantly calculates your Kill Line.
> 3. Enter your current balance and see your True Disposable Balance — the money you can actually spend without worry.
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> No complicated categories. No envelope budgets. Just one clear number that tells you where you stand.
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> KEY FEATURES
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> • Kill Line Dashboard — A visual health score (0–100%) shows how far above or below your safety threshold you are, with clear Excellent / Good / Warning / Danger indicators.
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> • Smart Expense Tracking — Add fixed expenses with flexible frequencies: daily, weekly, bi-weekly, monthly, quarterly, semi-annual, annual, or one-time. Everything is automatically converted to a monthly total.
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> • Built-in US Tax Calculator — Estimate federal income tax (2024 brackets), state income tax (10 states), Social Security, and Medicare. Add all calculated taxes to your expense list with one tap.
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> • Template Library — Get started in seconds with 6 pre-built templates: US Employee (W-2), Renter, Insurance Bundle, Student, Car Owner, and Common Subscriptions. Or create your own custom templates.
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> • Expense Breakdown — Interactive pie chart showing where your money goes, organized by category: Housing, Utilities, Insurance, Subscriptions, Debt Payments, Taxes, Savings Goals, and more.
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> • Days Until Kill Line — See an estimate of how many days until your balance hits the danger zone based on your average daily spending.
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> • iCloud Sync — Optionally sync your data across all your Apple devices using Apple's end-to-end encrypted iCloud infrastructure.
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> • Customizable Reminders — Set daily, weekly, or monthly push notifications to check your financial health at a time that suits you.
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> PRIVACY FIRST
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> Your financial data stays on YOUR device. We collect zero personal information — no name, no email, no location, no analytics, no ads, no third-party tracking. Period. The app works fully offline. iCloud sync is optional and uses Apple's encrypted infrastructure.
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> AVAILABLE IN 7 LANGUAGES
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> English, Simplified Chinese, German, French, Italian, Spanish, and Japanese.
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> WHO IS IT FOR?
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> • Anyone who wants a dead-simple way to know their real spending power
> • People tired of complicated budgeting apps they never stick with
> • Freelancers and employees who want to factor taxes into their planning
> • Students managing tuition, loans, and living expenses
> • Anyone who's ever wondered "Can I actually afford this?"
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> Stop guessing. Start knowing. Stay Above Kill Line.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, 晓龙 高, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- 晓龙 高
- Size
- 6 MB
- Category
- Utilities
- Compatibility
Requires iOS 16.0 or later.
- iPhone
Requires iOS 16.0 or later. - iPad
Requires iPadOS 16.0 or later. - Mac
Requires macOS 13.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 6 more
- English, French, German, Italian, Japanese, Simplified Chinese, Spanish
- Age Rating
18+
- 18+
- Copyright
- © 2026 Gxlself
