Keep Above

Keep Above is a forward-looking budgeting app and bill tracker. You enter your recurring bills, your income and your current balance; it works out the balance that would cover everything due, and shows how close you are to it on a single status bar. Above that line, the rest is spare. Below it, you can see how far short you are and which day the pinch lands on.

It uses sinking funds - setting aside a little each pay for expenses that arrive occasionally - so an annual renewal five months out is already accounted for today.

There is no expense diary to keep. Day-to-day spending already shows up in your balance, so updating that one number refreshes the whole picture.

Keep Above is manual-entry by design and never connects to a bank. It asks for no bank login, no account numbers and no card details. It is a planning and projection tool, not financial advice.