Keep Above
Budgeting apps that forecast your balance
Keep Above projects your balance day by day from the bills and income you entered, up to 30 years ahead, and marks each day by where the balance would stand. This page lists the other budgeting apps whose own documentation states a forward projection, with the horizon each states, the tier it sits on, and what the projection is built from. Most budgeting apps document none, and the page says which.
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 horizon is the vendor's own stated figure or wording, on the date shown. Where a vendor states a forecast but no horizon, the cell says so. Two vendors' pages disagree with themselves and the page says which page it cites.
Spotted something out of date? Email support@keepabove.com and we correct or remove it within five business days.
Not affiliated with or endorsed by any app or organisation named here. Product names are trademarks of their owners.
Last verified 22 September 2026What does a budgeting app build a balance forecast from?
The word forecast covers three different mechanisms, and which one an app uses says more about what it is for than the horizon does.
Some project from spending history: the app reads what your accounts have been doing and extends the trend. Some project from a bank feed plus figures you type. And some project only from what you entered, bills and income, with no history at all. Keep Above is the third kind, and so are NEKO, PayAnchor and Harbourline. The table says which is which.
| What the pages describe | Horizon | Tier | Source | |
|---|---|---|---|---|
| Actual Budget | A Balance Forecast report, from posted history, scheduled transactions or Tracking Budget plans; labelled experimental. | Nothing documented past 12 months | Free, open source | docs |
| Buxfer | A Forecast feature. | Not stated | Pro and Prime | pricing |
| Harbourline | A 13-week look-ahead for bills, plus a monthly cash-flow calendar. | 13 weeks | Free | site |
| Keep Above | A daily balance and the reserved funds, from bills and income entered once. | 30 years | Free plan and Premium alike | support |
| Monarch | A forecast from account data and spending history, to an end-of-plan date you set. | To a date you set | Upper tier | help centre |
| NEKO | "Projected daily balance as far ahead as your bills and income go". | As far as your entered items run | Free | site |
| PayAnchor | A cushion figure to your next paycheck. | To the next pay | Free | site |
| PocketSmith | A daily balance forecast from feeds or manual entry plus repeating budgets. | 6 months free; 10, 30 or 60 years by paid tier | By tier | plans |
| Quicken Simplifi | "Projected cash flow", stated as "up to a year in advance". | Up to a year | Single subscription | feature page |
| Steady | A 12-month cash-flow forecast on the paid tier; the free tier lists 90 days of history rather than a forecast. | 12 months | Paid tier | site |
| Toshl | Estimates, which "project your past trends in earning and spending into the future". | 5 future months on web and Android, 4 on iOS | Paid tier | blog |
| Wallet by BudgetBakers | An expected balance after all upcoming payments. | Not stated | Not stated | features |
Which budgeting apps do not forecast your balance?
Most budgeting apps do not forecast, and several say so. Goodbudget's own comparison article states that it does not support future forecasting. YNAB's pages document no future-balance projection and argue against the idea. EveryDollar plans within the month. Fudget, Monefy, Cashew, Money Manager and Sorted's budget planner all show a position rather than a projection. None of that is a defect; a record of the past is what those apps are for.
How far ahead can a budgeting app forecast?
Two horizons on this page are longer than Keep Above's. PocketSmith reaches 60 years on its top tier, and NEKO's runs as far as the items you entered, which can be indefinitely. So if the question is simply who reaches furthest, the table answers it and the answer is not us.
The more useful questions are what the projection is built from and what it costs. A forecast from history inherits the history. A forecast from a feed needs the feed to stay connected. A forecast from entered bills is only as good as the bills and the balance you last typed, and it is the only kind that runs with no connection at all. And the horizon you get on the free plan varies more than the top-tier one: 6 months on PocketSmith's, the full 30 years on Keep Above's.
Why do two vendors state different horizons?
PocketSmith's plans page states 60 years for its top tier and its home page agrees; two other pages on its own site still say 30. We cite the plans page. Toshl's web app shows five future months by default and its iOS page says four. We cite both rather than picking one.
Our comparison, not a review. Every competitor fact here is taken from that app's own pages 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 forecast a future balance?
Of the apps we have checked, twelve document a forward projection of some kind, listed in the table with the horizon and tier each states. Most others document none, and several, including Goodbudget and YNAB, say so on their own pages.
How far ahead does Keep Above forecast?
30 years, day by day, on the free plan and on Premium alike, from the bills and income you entered. It is not the longest on the page: PocketSmith reaches 60 years on its top tier.
What is a balance forecast built from?
One of three things: your spending history, a bank feed plus figures you type, or only the bills and income you entered. Keep Above uses the third, which is why it needs no connection and why it knows nothing about your spending.
Why do most budgeting apps not forecast?
Because most are built to record and categorise what you spent, and a forecast is a different job. Goodbudget's own article says it does not support future forecasting, and YNAB's pages argue against the idea. Neither is a shortcoming of what those apps set out to do.