Keep Above: Budget & Bill Plan

ManAndAI

In-app purchases

About this app

Your bills know when payday is. Do you?

Somewhere in your account, a tiny hero is treading water. The ocean rises when your balance drops below what you should have saved. They're fine — for now. Whether they stay that way is entirely up to you.

Keep Above is a forward-focused budget app built on one idea: sinking funds. Instead of guilt-tripping you about last Tuesday's coffee, we point everything forward. Every projection, every number, every graph is aimed at what's coming — not what already happened.

Add your bills. Add your income. We calculate a running "safe minimum balance" — the exact amount you should have right now to cover every upcoming expense. Hit that number and you're ready for every bill on your radar. Miss it and at least you know.

🏊 THE HERO SITUATION

Your dashboard is an ocean. If your balance is above your safe minimum, the platform floats and your hero is vibing. If it drops below, the platform sinks and things get... hostile.

Your hero can drown. Creatures attack. Limbs are lost. Eyes go missing (we auto-equip an eye patch). Keep them alive by earning energy daily and buying power-ups, cosmetics, and survival gear. Snorkels. Dive suits. Gills. A bubble shield. Over 60 upgrades, each more unhinged than the last.

How long can your hero survive your budget? That's the game.

📊 SINKING FUND MATH THAT WORKS

The app tracks every upcoming bill, checks today's date, and calculates exactly how much you should have reserved right now. Rent due in a week? Fully funded and locked into your safe minimum balance. Annual subscription in 5 months? We're tracking how far along you should be.

No envelopes. No categories. No manual allocation. Just transparent math showing what's spoken for and what's free to spend.

💰 FEATURES

- Automatic sinking fund tally that updates daily as your bills approach
- Balance vs. reserved calendar — two lines showing where you are and where you need to be
- Smart auto-mark-as-paid so you don't have to log in every single day
- Recurring and one-time expense and income tracking with flexible frequencies
- Savings goals to plan for the things you actually want
- Balance projection graph showing your financial future at a glance
- Gentle, silent bill reminders only on the days that matter
- Savings-type and credit-type accounts for paid users
- No bank account linking — just enter your balance and go
- Private by design — we don't want your bank login or card numbers

🎮 60+ UPGRADES (SERIOUSLY)

Your hero starts with nothing. Earn energy every day you visit the shop. Spend it on survival gear and deeply unnecessary cosmetics:

Water survival: Snorkel → Swimming Lessons → Oxygen Tank → Dive Suit → Gills
Protection: Umbrella → Knee Pads → Safety Hat → Bubble Shield
Physical: Baby Legs → Noodle Arms → Rubber Body → Thick Skin → Chonk
Cosmetics: Sunglasses → Anime Eyes → Bobblehead → Cape → Neon Outline → Gold Trim
Colors: 20+ skins from Midnight Black to Galaxy to Rainbow Mode to Ghost
Special: Zen Mode, Sloth Mode, Caffeine Boost, Hyperactive, Time Dilation

Every upgrade has flavor text. Every flavor text is unhinged.

🧠 WHY KEEP ABOVE?

Most budget apps are boring spreadsheets with a coat of paint, or confetti-powered shame machines tracking every dollar you already spent. Keep Above doesn't care about your past. We care about your future.

Enter your balance. Add your recurring bills and income. The app does the math. The hero provides the motivation. No feeds. No insights. No "you spent $47 at Starbucks" notifications. Just a clear view of what's coming, what's funded, and what's free.

The bills are coming whether you plan for them or not. Might as well be ready — and give your little hero a fighting chance.

Download Keep Above. Keep your hero afloat. Welcome to unhinged budgeting.

Keep Above is a planning and projection tool, not financial advice. Always verify with your own records.

What’s new

-Bug fixes