# Stay Above: Cash Flow Forecast — Paycheck Budget & Bill Planner

> Private cash-flow forecasting app to predict and avoid financial shortfalls. (iPhone/iPad app by Feng Chen.)

- Source: https://appshunter.io/ios/app/stay-above-cash-flow-forecast/id6789789322 (this page in markdown: same URL + `.md`)
- Developer: [Feng Chen](https://appshunter.io/developer/1335869457)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 60 MB
- Languages: American English
- Released: 2026-08-04
- Data updated: 2026-08-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/stay-above-cash-flow-forecast/id6789789322/reviews.md

## What is Stay Above?

Know what your cash will look like before bills are due.

Stay Above is a private cash-flow forecasting app that helps you see potential shortfalls early—not after a payment fails. Add your current balances, upcoming income, recurring bills, everyday essentials, and planned transfers. Then see how your money is expected to move in the days ahead.

PLAN AHEAD WITH CLARITY

• Forecast your balance around paydays, bills, and recurring expenses
• Spot low-cash days and see what is creating the risk
• Set a safety buffer for each account, so “enough” means enough for you
• Track checking, savings, cash, and other accounts in one plan
• Plan transfers between accounts before a shortfall happens
• Include fixed or variable bills, as well as regular or variable income
• Explore what-if scenarios before making a change
• Keep a history of forecasts and review how your plan is evolving
• Get timely reminders for important bill and risk moments

PRIVATE BY DESIGN

Stay Above does not require a bank connection or an account. Your financial inputs stay on your device. If you choose to import a bank CSV, it is processed on-device.

This is not a loan app, a cash-advance app, or a tool that moves your money. It is a calm, practical way to understand your upcoming cash flow and make decisions earlier.

Forecasts are based on the balances, dates, amounts, and schedules you enter. They are estimates for planning—not financial, legal, credit, or benefits advice.

Stay above the next shortfall. Plan bills with confidence.

## Key features

- Cash flow forecasting
- Bill and income planning
- Shortfall prediction
- Safety buffer setting
- Multi-account tracking
- What-if scenario exploration
- Timely reminders

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Stay Above Plus | $6.99 | one-time |
| Stay Above Ultra | $16.99 | one-time |
| Upgrade To Ultra | $10.00 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/stay-above-cash-flow-forecast/id6789789322/reviews.md

### 5/5 — A very thoughtful app

*2026-08-14*

You can tell the creator put real thought and care into this app. It doesn’t feel like one of those rushed, generic apps made just to fill a space—it feels genuinely useful and well considered.
This app has truly improved my daily life by helping me spend more intentionally and think further ahead. The layout is clear and intuitive, and it’s easy to use without overwhelming me with unnecessary features. Even on busy or stressful days, it helps me stay focused and feel a little more in control.
I especially appreciate the thoughtful design. It fits naturally into my routine and gives me support without being intrusive or demanding. I’ve already recommended it to a few friends who are looking for a calmer, more organized way to manage their lives.

## Frequently asked questions about Stay Above

### What is Stay Above?

Stay Above is a private cash-flow forecasting app designed to help you visualize your upcoming finances. It allows you to input your balances, income, and expenses to predict potential shortfalls and plan accordingly.

### How does Stay Above ensure privacy?

Stay Above is designed with privacy in mind and does not require a bank connection. All your financial inputs are processed and stored directly on your device, ensuring your data remains private.

### Can Stay Above help me manage multiple accounts?

Yes, Stay Above allows you to track checking, savings, cash, and other accounts within a single plan. This provides a comprehensive overview of your financial situation.

### Does Stay Above offer any financial advice?

No, Stay Above provides forecasts based on the data you enter for planning purposes. It is not intended to offer financial, legal, credit, or benefits advice.

### What kind of alerts does Stay Above provide?

Stay Above provides timely reminders for important bill due dates and potential risk moments, helping you stay ahead of financial obligations.

### Is Stay Above available on multiple devices?

Based on its supported devices, Stay Above is available for iPhone and iPad users, allowing for financial planning across Apple devices.

### How often is Stay Above updated?

Stay Above was last updated on August 8, 2026, indicating active development and potential for future improvements and bug fixes.

### Does Stay Above have ads?

No, Stay Above does not contain advertisements, providing an uninterrupted user experience focused on financial planning.

## Version history (last 3 releases)

### 1.0.2 — 2026-08-15

**Your financial plan is for your eyes only.**
This update introduces App Lock:
- Unlock with Face ID or Touch ID
- Lock immediately, or after 1, 5, or 15 minutes away
- Hide amounts in the app switcher
- Add peace of mind when your phone is shared, misplaced, or simply within view
Stay Above remains local-first: your financial plan stays on your device.

### 1.0.1 — 2026-08-08

Welcome to "Stay Above" — a private cash-flow forecasting app built to help you see risks before they hit.
This release includes:
• Daily cash-flow forecasts based on your balances, income, bills, essentials, and planned transfers
• Clear warnings for low-balance days, timing risks, and upcoming cash shortfalls
• Personal safety buffers for accounts and a household-level protection line
• Support for checking, savings, cash, and other cash accounts
• Shared household planning with multiple members, accounts, and assigned income or bills
• Recurring, one-time, fixed, and variable bills
• Regular, hourly, shift-based, and variable income planning
• Bill payment status tracking and balance-aware income and expense updates
• Planned transfers between accounts, including transfer recommendations when cash is needed elsewhere
• Quick money actions for income, expenses, transfers, and balance updates
• Favorite and recently used templates for faster repeat entries
• What-if scenarios to explore changes before they affect your plan
• Forecast history and monthly plan reviews
• Reminders for due bills, unconfirmed amounts, balance updates, and cash-risk moments
• Home Screen widgets for a quick view of your upcoming cash position
• Private bank CSV import with local column mapping, duplicate review, and recurring-item suggestions
• Support for common CSV exports from Chase, Bank of America, Wells Fargo, Capital One, and generic CSV files
• Shareable cash-flow reports in PDF and CSV formats
• Free full-data backup, export, test, and restore tools
• Example households to help you explore the app before entering your own plan
• English and Simplified Chinese support
"Stay Above" does not require a bank connection or an account. Your financial inputs stay on your device, and forecasts are based on the dates, amounts, and schedules you choose.

### 1.0.0 — 2026-08-04

No release notes.

## More apps by Feng Chen

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- [Bluetooth Radar - BLE Finder](https://appshunter.io/ios/app/bluetooth-radar-ble-finder/id6749743585)
- [小峰背单词 - 让背单词变得有趣、简单 四六级 雅思 托福](https://appshunter.io/ios/app/id6754764537)
- [外卖拍拍记 - 奶茶、外卖拍一拍，记录每一次美好心情](https://appshunter.io/ios/app/id6756568209)
- [Mood Life - 情绪人生 \| 心情记录 \| 情绪日记](https://appshunter.io/ios/app/mood-life/id6758077572)

All apps by Feng Chen: https://appshunter.io/developer/1335869457

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*