Made by a Christian, for Christians · Free while in beta
Steward everything God has given you.
A budgeting app you can believe in.
Connect your accounts once. Above Money keeps an honest ledger of what comes in and what goes out, runs four payoff strategies against your real balances, and puts a date on your last payment — one that updates itself as the month unfolds.
No card required. Not ready to connect a bank? Type your debts in by hand and get the date anyway.
Read-only access · We never see your password · Delete everything yourself · How it works
The app, drawn with an invented family’s numbers. Nothing here is anyone’s real money.
See it for yourself
Eight pages, one sidebar. Here are five of them, each drawn from the real screen, with sample numbers.
Your money, already sorted
Connect a bank and your last 90 days arrive, then new charges follow on their own. They land in a register that asks you only what it cannot work out: categories you control, rules that sort the next charge from a merchant for you, and splits when one receipt was three different things.
- Pending on its own at the top, then everything cleared — grouped by day, or with each row dated if you prefer
- Transfers between your own accounts spotted and offered up to be paired
- Bills and paychecks you have scheduled show on Cash Flow before they hit — and, if you like, in a Coming up band at the top of your register
A budget built from what you actually spent
Your first budget comes suggested from your recurring bills and your last three months of spending, so you are correcting numbers rather than inventing them; after that, a new month copies the last one forward in a click. Income, Spending, Saving and Debt are the four steps of one plan and cannot disagree.
- Every spending and income line shows what has landed, what is pending and what is still scheduled
- Where this month's planned income goes heads the page, as a pie — Giving first — beside the plan's figures: Planned income, Planned out, Unbudgeted and Projected month-end
- Select any category to see the transactions behind its number, and how its last six months went
A payoff date you can argue with
Every card and loan in one place, with the balances, rates and minimums pulled from your accounts rather than typed in and left to rot. Debt Payoff puts a month on when you finish, and your cash-flow chart stars the day a scheduled payment finishes a debt.
- Snowball, Avalanche, Cash-Flow or an order of your own, side by side in months and in interest
- Save the plan — the strategy, the order and the extra you can really send — and your debt-free date moves with it
- Every payment to every debt, month by month, and yours to keep as a CSV
See the month before it happens
Project a cash account — or all of them together — forward from what is scheduled and what repeats, and see where the line goes before it gets there: 30 days out, or 12 months.
- Day by day or as a month calendar, with where each day ends and the lowest day ahead marked
- Pending charges listed first, already folded into today’s starting balance
- The day a scheduled payment finishes a debt is marked with a star
Money set aside on purpose
Put money aside monthly for the things that arrive annually — the car insurance, Christmas, the vet — and track what you have set aside so far, so the bill is boring when it lands.
- A goal can be a whole account, or a slice of one you share between several
- Each goal shows what is saved, its monthly amount, and when it will be done at that pace
- Your goals appear in the budget’s Saving section, so the month plans for them
Why a Christian budgeting app?
The name is the confession. Above, because that is where the mind belongs — “Set your mind on the things that are above, not on the things that are on the earth” (Colossians 3:2). Money, because it is the thing most likely to pull the mind back down, and the thing we are asked to manage well while it is ours to manage.
And none of it was ours to begin with. The paycheck, the accounts, the house — Scripture calls us managers of what belongs to God, and a manager’s oldest tool is a ledger: an honest record of what came in, what went out, and what it served.
And because debt decides for you. Every dollar already owed is a dollar that cannot go where you would send it, and the generosity you are called to keeps becoming something for someday. Getting free is not about getting rich — it is about being available.
So this app will not promise you wealth, and it will not shame you about the balance you are carrying. It gives you what a steward needs: clear numbers, an honest month, and the date the burden lifts.
Four ways to pay it off, run against balances you never had to type in
Push on the plan: switch strategies, reorder debts, change the extra you can really send, and watch the date move — nothing is kept until you save it. Save plan keeps all three, and the debt-free date on Debt Payoff, on Home and in your budget runs on the plan you saved. Here is what it says about an ordinary $21,500 across two cards, a store card and a car loan, paying $150 a month more than the minimums:
| Strategy | Debt-free in | Interest paid | What it optimizes |
|---|---|---|---|
| Snowball | 38 months | $6,315 | Smallest balance first |
| Avalanche | 37 months | $5,589 | Highest rate first — cheapest here |
| Cash-Flow | 39 months | $7,267 | Frees the car loan’s $288/mo in month 25 |
A worked example, computed by the same engine the app uses — not a mock-up. Your numbers will differ.
What this app can and cannot do with your accounts
It can only read
We ask your bank for transactions and balances, and nothing else. There is no code in this app that could move money — no transfers, no payments, no bill pay.
We never see your password
Your bank credentials go straight to Plaid and are never sent to us. The key we do hold is encrypted before it is stored.
No ads, no offers, no data sales
We do not sell your information and we do not use it to build advertising profiles. Eventually you will pay us, which is the whole reason we do not need to.
You can leave whenever
Disconnect a bank, or delete your account and everything in it, yourself, from Settings. No email, no waiting.
Start with one bank and ten minutes
Connect an account. Your last 90 days arrive in about a minute, and so does the date. If it helps you be more faithful with what you’ve been given, that is the whole point — and if it doesn’t, delete everything on your way out.
Above Money is free to use right now, and a plan is something you choose rather than something you are moved onto. Every plan starts with 40 days free, and you will know the date and the amount long before anything is charged. We would rather lose the sale than surprise you.