What Above Money does

Home

The first screen, and the whole month on it.

Your balances, then your budget

Home opens with the accounts you watch, each with its Available balance the way your bank shows it, then how this month's budget is going: income, bills, everyday spending, saving and debt, each On pace, Watch, Off track or Over, with the fix one tap away.

Thirty days of cash flow

A line for the account you choose, drawn from what is scheduled: paydays, bills, the lowest point on the way — and a star on the day a scheduled payment finishes a debt.

Budget watch

Only the spending categories that are over, headed over or running ahead of the month, each with its bar and a tick for today, and a count of the ones on pace.

What needs you, and nothing else

If a bank needs signing in to again, a paycheck did not arrive or a category has run over, Home's Needs attention card says so, with the way to fix it one tap away, beside what is waiting for your review and the debts about to be paid off. Dismiss what you have seen, with an Undo right after in case you change your mind. On a healthy day it says you're all caught up, and anywhere else in the app a small dot tells you when a bank needs you.

A verse each morning

A Verse of the Day opens Home, always shown in full, on a phone and a computer alike.

Transactions

You will spend more time in the register than anywhere else, so everything about a row is one click away: choose it, and its details open in one place.

Synced on its own

New transactions arrive as your banks report them — no button required. You can still sync any time from the top of the page, where the time shown is your oldest bank’s, and if a connection goes quiet, Home says so rather than quietly showing you stale numbers.

Categories you control

Rename them, retire them, nest them, give them an icon. Retiring a category forwards everything that used to land there, so cleaning up your list never orphans a year of history.

Rules that do it next time

Categorize a merchant once and make it a rule. The next charge from them is already sorted when it arrives.

Splits

One receipt, three categories. The register keeps the transaction whole and the budget sees the parts.

Transfers caught before they lie to you

Money moving between two of your own accounts is spotted and offered up to be paired, so it never counts as income on one side and spending on the other.

Hand-entered rows, matched

Write down a purchase before it clears and the downloaded copy is matched to it rather than duplicated.

Flags

Eight colors to mark a row with, meaning whatever you decide they mean — and a filter to find them again.

One place to review

Possible transfers, matches, new repeats and rows with no category wait in one review list. Answer each in a click, with Undo after every answer.

Cash Flow

Where the balance is going, while there is still time to do something about it.

The line ahead

Project a cash account — or all your checking and savings together — forward from what is scheduled and what repeats, and see where the line goes before it gets there: where it starts today, the lowest day ahead and what causes it, and where it ends. Tap or hover any day for its balance and what moves it.

Day by day

Every day with something on it, and where your balance ends that day. Moves between your own cash accounts show once and net to $0; card and loan payments still count, because they leave your cash.

A calendar of the month

Switch to Calendar and the month lies on a grid: each day's ending balance, what comes in and what goes out, with today and the lowest day ahead marked.

Your window

From 2 weeks to 12 months ahead, for one account or for all your cash accounts together.

Pending, counted once

What hasn’t cleared yet is folded into today’s starting balance and listed above the days ahead — each bill your bank is already holding counted once.

Reports

The page that looks back: how each month went against its budget, what came in beside what went out, and what you owed.

Budget vs Actual

Your categories down the side and the months across the top, each cell what was spent against the budget that month had. What ran over is in red and says by how much, and a month with no budget shows a dash instead of a verdict. Select a category’s month to see the charges behind it.

Income vs Spending

Each month’s income beside what went out, in the parts you have: Giving, Spending, Savings and Extra debt, which is what you paid past your minimum payments. Under every month it says in words how much more came in than went out, or the other way round.

Spending Compare

One stretch of months beside the one before it, category by category, with the change as an arrow and a number in plain ink — spending more is not painted red. Open a category to see the merchants behind it, and leave out recurring charges to see what was unusual.

Debt over time

What you owed in total, drawn from the balance the app records for each account on every day it syncs or changes. A debt that joins the record, or an account you removed, is marked on the chart, so a step in the line is never mistaken for a payment.

Year in review

A whole year, Giving first: what you gave and who received it, what came in, what you saved, the extra you paid on debt, where it all went by section of your Budget, and what you paid off or reached. Print lays it out for paper, and it says plainly that it is a record for your own use, not a tax document.

Export report

Every report exports what is on screen as a CSV: its table, the rows you opened included. The file is built in your browser.

Balance history, your choice

Delete an account or disconnect a bank that has balance history and the app asks first: keep that history, so your past totals stay as they were, or delete it too. What you kept is listed in Settings, where you can delete it later.

Budget

A month you can build from evidence in a few minutes, rather than an empty grid you fill in from memory.

Amounts proposed from your own spending

Your first budget arrives filled in from your recurring bills and your last three months of spending — tick, adjust, start. Every month after copies the last one forward in one click.

The month, and its plan

Budget opens on where this month’s planned income goes — a pie, Giving first — beside the plan’s figures, then your categories as Giving, Bills & essentials and Everyday spending. Income, Saving and Debt sit under them on the same page: one set of figures, so they cannot disagree, and every line saves as you go, with Undo.

Landed, pending, scheduled

Every spending and income line’s bar shows what has cleared, what is pending and what is still scheduled against what you planned — and a spending line that runs over says by how much, in words and in red, when it does.

Select a category, see the rows

Any category opens the transactions behind its number, how its last six months went, and — when it runs short — a category with room to cover it from. No spending figure is one you have to take on faith.

Recurring Series

Every paycheck, bill and transfer you have scheduled, in one list or on a calendar, so the month ahead is not a surprise.

Recurring series

Turn a transaction into a repeating series and the ones still to come appear on Cash Flow before they hit — and, if you turn on Show coming up, in a band at the top of your register.

Repeats found for you

Choose Find repeating money out and the app looks through your last 90 days for spending that repeats but has no schedule yet. Add one and it is expected from then on. Its twin, Find repeating money in, lets you pick a deposit you already have, and expects the next one.

However you are paid

Weekly, every two weeks, twice a month or monthly — and an amount that varies is kept as the estimate it is.

The month as a calendar

Switch the list to a calendar of the month, Sunday first, with today marked and every payday and bill on its day.

Accounts

Everything you have and everything you owe, on one page — and whether each bank is keeping up.

Net worth, calmly

What you own, what you owe and the difference, at the top, in plain ink — never red — with one line under them that says whether every bank is keeping up.

Grouped your way

Accounts in your own groups or by bank, a search to find one by name, and hidden accounts in the menu whenever you want them.

Every bank’s health

One line under the figures says when your banks last synced. A bank that needs you says so on its own rows, with Reconnect right there, and the Banks page holds adding, removing and reconnecting.

Savings Goals

For the bills that are not monthly, and the things worth waiting for.

Savings goals

Put money aside monthly for the things that arrive annually, and track what you have set aside so far.

A whole account, or a slice of one

A goal can be everything in a savings account, or one part of an account several goals share.

Planned into the month

Each goal appears in your budget’s Saving section, so the month plans for it instead of hoping there is something left.

Debt Payoff

The burden the app was built to help lift, and the part that is hardest to do with a spreadsheet.

A debt-free date

Not a vague horizon — a month, at the top of Debt Payoff, that moves when your balances move. Home shows the same month.

Four strategies, compared

Snowball, Avalanche, Cash-Flow and an order of your own, run against your real balances and shown side by side in months and in interest, so you can see what each one actually costs.

A plan you save

Try strategies, reorder debts and change the extra you can really send, and watch the date move as you do. Save plan keeps the strategy, the order and the extra together — and your budget’s Debt section then recommends the next debt by the plan you saved.

Balance over time

What you owe, falling to zero month by month under your plan, beside the line the minimums alone would draw. When the minimums alone would never finish, it says so instead of drawing a line to nowhere.

Month by month, yours to keep

Every payment to every debt, month by month, until the last one is gone — and it exports as a CSV.

Debts

Every card and loan in the order your plan pays it off.

Balances you never have to retype

Cards and loans arrive from your bank with their balances, rates and minimum payments attached, so the payoff math is running on today’s numbers rather than on what you typed in a year ago.

In payoff order

Each debt numbered in the order your plan clears it, grouped by type, with its rate, minimum and the month it pays off.

Promotional rates that expire

A 0% card is not free forever, and a store-card promo often back-charges every month of waived interest if the balance does not clear in time. Tell it when the rate reverts and the payoff math carries both — rather than handing you a date that quietly assumes the trap never springs.

Credit used, card by card

Each card’s balance against its limit, and all of them together beside your debt-free date. Up to 30% is Low, 30 to 70 Moderate, over 70 High — and the percentage and the word sit beside every bar, so color is never the only thing telling you.

A card with no limit, said plainly

A card with no credit limit on file is left out of both halves of the total rather than skewing it, and its row says so, with a way to add the limit.

Credit for finishing

Debts you clear and savings goals you reach go into a Trophy Case instead of quietly disappearing, each debt with what it cleared and the monthly minimum it freed, and the day a scheduled payment will finish a debt is starred on your cash-flow chart.

Trophy Case

Every debt you finish and every savings goal you reach, kept where you can see them.

Kept for good

Paid-off loans, pay-later plans and reached savings goals stay here even after you spend the savings — each goal with what it saved and the account it sat in, each debt with the balance it cleared and the monthly minimum you no longer pay.

Year by year

Grouped by the year you finished them, with what each year added up to, under the totals for all of them: debt cleared, saved toward goals, and the minimums freed each month. Once you have both kinds, a switch shows just the debts or just the savings.

Family Sharing

One account, two people — with the rules decided in the database rather than on a screen.

Invite your Spouse

Your Spouse gets a sign-in of their own and sees everything in your account — every account, balance, budget and goal — without ever seeing your password. Two-factor sign-in is required before they can accept.

Full Edit or Read Only

Choose whether they can change things or only look, and change your mind at any time. Read Only is enforced by the database itself, so no page can offer a change the rules would refuse.

Bank connections stay yours

Only the Owner can add, reconnect or remove a bank. A Spouse sees the banks you connected and never the keys behind them.

What it does not do yet

A feature list with no gaps in it is a feature list you should not believe. These are the ones worth knowing about before you sign up.

• Bulk data export. You can export a payoff schedule and every report, and you can delete everything, but you cannot download your whole register.
• Sharing with anyone but your Spouse. Household — separate accounts for adult Family Members, each with their own login and their own money — is designed and not built.