Keep Above
Budgeting app for fortnightly pay
Keep Above lays your pay cycle out payday to payday, weekly, fortnightly, four-weekly, twice a month or monthly, and shows what would be safe to spend before the next pay from the bills you entered once. The apps below are the ones whose own pages say something about pay cycles. Two things the table is strict about: whether the whole budget runs on the cycle or only a repeating item does, and whether the app is actually available in New Zealand or Australia.
Written and maintained by Manandai Ltd, the company that makes Keep Above. This is our comparison, not an independent review. No app here is scored, rated or ranked. How we compare.
Every competitor cell is taken from that app's own pages, quoted where a quote exists, and App Store availability is from an Apple storefront lookup on the date shown. Where a vendor names no frequency, the cell says so rather than guessing one.
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Last verified 22 September 2026Why does a monthly budget not fit fortnightly pay?
If you are paid fortnightly, a monthly budget has a seam running through the middle of it. Some months hold two pays and some hold three, the rent falls on one side of a pay and the power bill on the other, and "how much is left this month" is a different question from the one you actually have, which is how much is left until the next pay.
An app that runs the whole budget on your cycle answers the second question. An app that lets a bill repeat every two weeks but keeps a monthly budget underneath does not, and the difference is easy to miss on a feature list, so the table separates them.
| What its own pages say | Whole budget on the cycle, or a repeating item? | Usable in NZ or AU | Source | |
|---|---|---|---|---|
| BudgetBuddie | "Set weekly, fortnightly, monthly, or custom budgets"; one period for the whole budget, with a "Fortnight start date, so periods line up with your pay cycle". | Whole budget | NZ App Store and Google Play; not listed in the AU App Store | help centre |
| Emma | Its budgeting period can be "Every week", "Every 2 weeks", "Every 4 weeks" or "Twice a month", among eight options. | Whole budget | Not listed in the NZ or AU App Store; a UK product | help centre |
| Harbourline | "Plan around weekly, two-weekly, monthly or yearly income". | Whole plan | Browser only; no App Store or Google Play listing; early access | site |
| Keep Above | Weekly, fortnightly, four-weekly, twice a month or monthly, laid out payday to payday. | Whole pay cycle | NZ and AU App Store and Google Play, any country | support |
| NEKO | A recurring item, your pay included, can repeat "weekly, biweekly, monthly, or any custom interval". Its category limits are monthly and reset on a day of the month you choose. | A repeating item; the budget is monthly | NZ App Store and Google Play | site |
| PayAnchor | "PayAnchor works with weekly, biweekly, semi-monthly, or monthly pay schedules." | Whole plan | NZ App Store, Google Play and web | site |
| PayCheck Budget | "Semi-monthly, biweekly, weekly, and monthly schedules". | Whole plan | NZ App Store; iOS only | site |
| Snoop | Snoop Plus can "sync the info and analysis in Snoop to a pay cycle of your choice, not just calendar month". Its pages name no specific frequency. | Whole budget, on the paid tier | Not listed in the NZ or AU App Store; connects to UK banks | site |
| Sorted budget planner | Each amount can be entered as weekly, fortnightly, 4 weekly, monthly or yearly; those are the options on the planner itself. It returns a position, with no forward projection. | A period selector on a planner | Web tool | planner |
| SortMe | "Your budget runs weekly, fortnightly or monthly, whatever matches your pay, and resets when your pay lands". | Whole budget | NZ App Store and web | site |
| WeMoney | Its Payday feature records when income lands, with a frequency and a next expected date, on the home screen. Its help centre describes the budget itself as "your monthly budget" and names no weekly or fortnightly period. | A record of income dates; the budget is monthly | Listed in the NZ App Store; an Australian product | help centre |
Does the whole budget run on your pay cycle, or just a repeating bill?
"Pay cycle" is doing two jobs in this market and the table keeps them apart. In BudgetBuddie, Emma, SortMe, PayAnchor and PayCheck Budget the whole budget runs on the cycle and resets when the pay lands. In NEKO a repeating item, including your pay, can recur every two weeks, but the category limits underneath are monthly. In WeMoney the Payday feature records when income arrives, and the budget its help centre describes is monthly.
None of those is wrong. They are different features with the same name, and a page that listed all of them under "supports fortnightly pay" would be telling you something that is true in one sense and misleading in another.
Which pay-cycle budgeting apps are available in New Zealand and Australia?
Emma documents eight budgeting periods and Snoop documents a pay-cycle view and neither is listed in the New Zealand or Australian App Store; both are UK products and Snoop's own pages say it connects to UK banks. Harbourline runs in a browser only and describes itself as early access. PayCheck Budget is iOS only. BudgetBuddie is in the New Zealand App Store and on Google Play but not in the Australian App Store. WeMoney is listed in the New Zealand store, and that is all this page says about it, because it is an Australian product and we have not established whether its connections reach New Zealand banks.
Keep Above has no bank connection, so there is nothing to localise: it runs on iOS and Android in any country.
What does Keep Above not do?
It keeps no spending history, so there is nothing to look back on at the end of a cycle. It does not capture transactions for you. And the cycle view rests entirely on the bills and income you entered and the balance you keep current, so if the balance is stale, so is the figure.
Our comparison, not a review. Every competitor fact here is taken from that app's own pages, or from an Apple storefront lookup, on the date shown. Projections described here are conditional on the figures a person enters and on nothing changing. This page takes no account of your circumstances. Nothing here is financial advice.
Keep Above
Enter each bill and your income once, and keep your balance current now and then. Keep Above works out the balance you would need to cover everything coming, and projects your balance and your sinking funds — which it calls reserved funds — forward. No bank connection.
Common questions
Which budgeting apps let me budget fortnightly in New Zealand?
Of the apps whose own pages state a whole-budget pay cycle and are listed in the New Zealand App Store, the table shows BudgetBuddie, SortMe, PayAnchor, PayCheck Budget on iOS, and Keep Above. Emma and Snoop state a pay-cycle budget too, and neither is listed in the New Zealand or Australian App Store.
Is a bill that repeats every two weeks the same as a fortnightly budget?
No. A repeating item is a rule on one entry. A fortnightly budget runs the whole budget on the cycle and resets when the pay lands. NEKO documents the first and a monthly budget; WeMoney's Payday records income dates alongside a monthly budget. The table separates the two.
Does Keep Above support fortnightly pay?
Yes. It lays the pay cycle out payday to payday, weekly, fortnightly, four-weekly, twice a month or monthly, and shows what would be safe to spend before the next pay from the bills you entered once.
Why are Emma and Snoop in the table if I cannot get them here?
Because their own pages document pay-cycle budgeting clearly, and leaving them out would make the table look like the whole market when it is not. The availability column says where they are listed, from an Apple storefront lookup on the date shown.