Keep Above
Keep Above vs EveryDollar
EveryDollar's free version is manual, uses Funds for the expenses that do not arrive every month, and documents no auto-posting recurring feature; its paid tier adds a United States bank feed and Paycheck Planning, which works within the month. Keep Above enters bills once, projects past the month to 30 years, and is sold in any country.
Written and maintained by Manandai Ltd, the company that makes Keep Above. This is our comparison, not an independent review, and no winner is named on this page. How we compare.
Every EveryDollar fact below is taken from EveryDollar's own published pages, linked beside it. Features and prices change. Check each provider before deciding.
Spotted something out of date?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 EveryDollar. Product names are trademarks of their owners.
Last verified 21 September 2026What each one is
EveryDollar
A zero-based budgeting app where you give every dollar a job each month. The free version is manual. The paid tier adds a bank connection and Paycheck Planning. Its help centre documents Funds for expenses that do not arrive monthly, and states that it is a United States based service. Help centre.
Keep Above
A forward-looking budgeting app with no bank connection and no spending record. You enter each bill and your income once and keep your balance current, and it works out the balance you would need to cover everything coming and projects that and your reserved funds ahead day by day, up to 30 years.
| Keep Above | EveryDollar | Source | |
|---|---|---|---|
| Bank connection | None, by design | Optional, paid tier, United States | help centre |
| Manual entry | The whole model | Yes, on the free version | help centre |
| Recurring bills | Entered once, projected forward | No auto-posting recurring feature documented on the free version | help centre |
| Money set aside for later bills | Reserved funds, worked out from the bills you entered | Funds, which you fill | help centre |
| How far ahead it plans | 30 years, day by day | Paycheck Planning on the paid tier, within the month | help centre |
| Imported transactions | No import | Each is dragged to a budget item | help centre |
| Spending history | None shown | Yes, with reports on the paid tier | site |
| Where it is sold | Any country | Its help centre states it is a United States based service, unsupported outside the United States | help centre |
| Price | Free with a budget you're paid into plus one more; Premium US$9.99/yr or US$2.49/mo in the US | Free; Premium US$17.99/mo or US$79.99/yr, 14-day trial | site |
Does the budget run on a month or on your pay cycle?
EveryDollar budgets a month at a time, and its Paycheck Planning works within that month, laying your income and what it has to cover against each other. It does copy your schedule into the next month, so it is not blind to what is next, but the frame is the month.
Keep Above has no monthly frame at all. It runs a continuous daily projection from the bills and income you entered, so the annual insurance bill eleven months out is in today's figure already rather than arriving as next August's problem.
Which of those is right depends on what catches you out. If your trouble is the month in front of you, a monthly frame is what addresses it. If your trouble is the bills that skip most months, a continuous projection is.
Are EveryDollar's Funds the same as reserved funds?
EveryDollar's Funds exist for exactly the problem reserved funds exist for: the expenses that do not arrive every month. The difference is who does the arithmetic. You decide what goes into a Fund and when. Keep Above works out what would need to be set aside from the bill and its date.
On the free version EveryDollar documents no auto-posting recurring feature, and its help centre recommends Funds for that case, so setting aside is something you do deliberately each month rather than something that happens.
Can you use EveryDollar outside the United States?
EveryDollar's help centre states that it is a United States based service and is not supported outside the United States. If you are reading this from New Zealand, Australia, the United Kingdom or most other places, that is the fact that decides it, and no feature comparison changes it.
Keep Above has no bank connection to localise, so it behaves the same wherever it is used.
Can EveryDollar plan a trip, split bills or track a home loan?
EveryDollar's pages describe Funds for costs such as a vacation or holiday gifts, a Household where a spouse sees and edits one budget, and a Mortgage line for the payment. They state nothing about splitting a cost between people.
Each kind in the table is a budget of its own in Keep Above, with its own screen in the app. The free plan holds a budget you're paid into plus one more of any kind; Premium holds more.
| Keep Above | EveryDollar | Source | |
|---|---|---|---|
| A trip, with its places and the people going | The dates and places, each cost split between the people going, and a settle-up at the end | A Fund line for a specific cost, such as a vacation, with the saved amount rolling over | help centre |
| One big dated day, such as a wedding or a move | An estimate for each cost, its deposit and payment dates, and the costs split between people | A target goal: an amount to save and a timeline, for example for an upcoming event | help centre |
| Bills split with the people you live with | Each person's share of each bill, which anyone on Keep Above can take into a budget of their own. No money moves | A Household: a spouse sees and edits the budget of the person who sent the invitation | help centre |
| Birthdays and other days you buy for | What each day would cost, with a share set aside from a budget you're paid into on each payday before it | Funds save over time for costs that don't come every month, such as holiday gifts | help centre |
| What you buy regularly | A cupboard showing how much of each thing is left, and a list for each shop of what would run out before the next | Its pages state nothing about this | help centre |
| What owning each thing costs a year | What each thing costs a year, from what you paid, its running costs and what it would sell for | A Vehicle Fund to track savings for your next car | help centre |
| A home loan | Each portion's balance and rate, when a fixed rate ends, what you pay, and the interest it would cost from here | A Mortgage line in the budget, where the payment is listed and paid like a regular expense | help centre |
| Loans and buy-now-pay-later plans | Side by side, with what is still to pay and what goes out in each pay cycle | Debts listed with type, current balance and minimum payment; its help says interest rates are not currently factored in | debts · editing a debt |
What EveryDollar does that Keep Above does not
- Gives every dollar a job for the month, a method with a large body of teaching material around it.
- Plans against each paycheck within the month on its paid tier.
- Keeps a record of what you spent, with reports on the paid tier.
- Offers a bank connection for users with United States accounts.
- Has a free version that includes Funds and manual budgeting.
What Keep Above does that EveryDollar's pages do not document
- Projects past the month, continuously, up to 30 years ahead.
- Works out the set-aside amount from the bill and its date rather than asking you to choose it.
- Enters each recurring bill once and projects every future occurrence from it.
- Is sold and supported in any country.
- Plans a trip with its dates, places and the people going, and one big dated day with a deposit and payment schedule for each cost, splitting the costs of either between people; EveryDollar's pages state nothing about these.
- Splits bills with the people you live with, each taking their share into a budget of their own, and keeps a list of the days you buy for; EveryDollar's pages state nothing about these.
- Shows how long each thing in a regular shop lasts, what each thing you own costs a year, and a home loan's portions and when a fixed rate ends; EveryDollar's pages state nothing about these.
Where EveryDollar's own pages state nothing on a point, the tables above say so rather than calling the feature absent.
Our comparison, not a review. Every EveryDollar fact here is taken from EveryDollar's own published pages and linked beside it, those in the first table on 21 September 2026 and those about other kinds of budget on 28 September 2026. 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
Can EveryDollar be used outside the United States?
Its help centre states that it is a United States based service and is not supported outside the United States. That is its own wording rather than our inference, and it is the most consequential difference on this page for most readers.
Does EveryDollar have recurring bills?
Its help centre documents no auto-posting recurring feature on the free version and recommends Funds for expenses that do not arrive every month. Keep Above takes each recurring bill once and projects every future occurrence.
How far ahead does EveryDollar plan?
It budgets a month at a time, and Paycheck Planning on the paid tier works within the month, copying your schedule into the next one. Keep Above runs a continuous daily projection up to 30 years.
What are Funds compared with reserved funds?
Both exist for expenses that do not arrive every month. You decide what goes into a Fund and when. Keep Above works out what would need to be set aside from the bill and its date, and projects it alongside your balance.
Can EveryDollar plan a trip or split bills with other people?
Its pages describe a Fund line for a specific cost such as a vacation, and a Household where a spouse sees and edits the same budget. They state nothing about splitting a bill or a trip's costs between people. In Keep Above a trip and bills split with the people you live with are each a budget of their own.