For Christians who want peace about money
Above Money gathers your bills, bank charges and debts into one calm place. Then it shows you the month your last debt is paid.
The loose ends, gathered into Home. Drawn with an invented family’s numbers.
Three questions that keep people up at night
You don’t need more willpower. You need to see it all in one place, in plain words.
“Where did it all go?”
Link your bank once. New charges show up on their own when your bank sends them. Put a store in a category once and make it a rule. Next time it sorts itself.
Before
After
“Will we make it to payday?”
Cash Flow walks your balance through every bill and paycheck you have scheduled. It marks the lowest point, so it does not sneak up on you.
In this sample, the family has $2,774.32 today, with pending. The lowest point is $2,430.38 on Jun 1, the day Oakmont Property Mgmt is paid.
Before
After
The next 30 days, drawn from the real card with an invented family’s numbers.
“Will we ever be out of debt?”
Compare four ways to pay it off, in months and interest. Save the one you pick. Your debt-free date moves as your balances move.
This sample family puts $150 extra a month toward debt. Their last debt is paid in May 2030. It is a plan, not a promise.
Before
After
Debt-free journey, drawn from the real card. The month is the app’s own math on this family’s balances.
How it works
No classes to take first. Start with one bank, or no bank at all.
Your bank link is read-only. We never see your password. About the last 90 days of charges come in on their own.
No bank link yet? Add a manual account. Those are free, with no limit.
It starts from your real bills and spending, so it is already close. Giving comes first. Income, Spending, Saving and Debt sit on one page, so they always agree.
After the first month, one click copies last month forward.
Smallest balance first, highest rate first, biggest payment for its size first, or your own order. The app shows each one in months and interest. Save one, and your debt-free date follows it.
It moves as your balances move. A plan, not a promise.
The math, shown openly
Here is the sample family: $30,167 across 5 debts, with $150 extra each month. The app runs all four on your real balances. Nothing is hidden.
| Plan | Debt-free | How long | Interest |
|---|---|---|---|
| SnowballSmallest balance first — quick wins | May 20303 years, 1 month | $5,498 | |
| AvalancheHighest rate first — least interestLeast interest | April 20303 years | $4,676 | |
| Cash-FlowBiggest payment for its size first — more cash each month sooner | June 20303 years, 2 months | $6,086 | |
| CustomPut the debts in any order you want. | Set by the order you pick. | ||
| Minimums onlyJust the minimum on each debt, for comparison. | November 206033 years, 7 months | $29,155 | |
Example only. These figures come from the same engine the app uses. Your numbers will differ.
Why a Christian budgeting app
The name comes from Colossians 3:2. Money pulls the mind down. A clear plan helps lift it back up.
It is all God’s. We manage it for a while. Getting out of debt is not about getting rich. It is about being free to give and to serve.
So this app will not promise you wealth. It will not shame you, either. Wherever your numbers sit today, they are not a verdict on you.
A Bible verse every morning, shown in full on Home. In your morning email too, if you want one.
Giving comes first in your budget and in your Year in review.
Invite your Spouse. One plan, two logins. You choose Full Edit or Read Only.
What it can and cannot do
You are trusting an app with your bank. Here is exactly what that means.
It sees your balances and bank charges. It cannot move money, pay a bill or send a payment. That code does not exist.
You sign in to your bank through Plaid. The key it hands back is locked (encrypted) before we store it.
Plans cost a few dollars a month. That is the whole business. Nobody else is the customer.
Delete your account and everything in it yourself, from Settings. No email. No waiting. If your Spouse is on it or invited, remove them first.
More ways to start
“Set your mind on the things that are above, not on the things that are on the earth.”
Colossians 3:2 · where the name comes from
One calm place to come back to, and a real month your last debt is paid.
Read-only · We never see your password · Delete everything yourself