What Above Money does

Above Money connects to your bank accounts and sorts what you spend. It turns your debts into a payoff plan with a date on it. It’s a planning tool. It isn’t a bank, a lender or a financial adviser.

Behind it is an old belief: what you have isn’t really yours. It’s been entrusted to you. Keeping track is a way of paying attention, and paying attention is where being faithful starts.

What it can do, and where

• Read your transactions and balances from banks you connect. Accounts shows every account in its group, what you own and owe, and whether each bank is up to date.
• Sort spending into categories you control, and remember your choices as rules. On Transactions, the review inbox asks only what the app can’t work out on its own.
• Build a monthly budget from what you really spent, not a blank page. Budget opens on where this month’s planned income goes, Giving first, beside the plan’s figures. You can change every line’s budget on the same page.
• Show your repeating bills and paychecks on Recurring Series, and where your balance is heading because of them on Cash Flow.
• Look back on Reports: how each month went against its budget, what came in next to what went out, and what you owed. See Looking back with Reports.
• Keep every card and loan in one table, with the rates and minimums your bank shares. On Debt Payoff, put a debt-free date on them, and try another plan before you save it.
• Set money aside for what’s coming on Savings Goals.

Home puts the month on one screen. Settings opens on an Overview of your account: your profile, security, banks and sharing at a glance.

What it can’t do

It can’t move money. There’s no transfer, no payment and no bill pay anywhere in it. We ask your bank only for transactions and balances. It also never sees your bank password. That goes straight to Plaid, the company we use to connect banks, and never reaches us.

Your banks update on their own, a few times a day, whenever your bank has something new. You can still press Sync any time to get the latest right now. If a bank stops updating, Home tells you, so you don’t look at old numbers. See Keeping your data current.

Where to go next

Connect your first bank is the first real step. If you’d rather not connect anything yet, you can add manual accounts and debts and still get a date.

Whatever the numbers turn out to be, they aren’t a verdict. They’re a starting point. Debt quietly limits what you’re free to do and to give. Getting out of it, at whatever pace you can, opens that back up. That’s the whole point of the date.