Stay Above Kill Line

> What if you could see, at a glance, exactly how much money you can safely spend? > > Stay Above Kill Line is a personal finance app built around one powerful idea: your Kill Line — the minimum account balance you need to cover every fixed expense, plus a 10% safety buffer. Drop below it, and you can't pay your bills. Stay above it, and everything you have left is truly yours to spend. > > HOW IT WORKS > > 1. Add your recurring expenses — rent, utilities, subscriptions, loan payments, insurance, and more. > 2. The app instantly calculates your Kill Line. > 3. Enter your current balance and see your True Disposable Balance — the money you can actually spend without worry. > > No complicated categories. No envelope budgets. Just one clear number that tells you where you stand. > > KEY FEATURES > > • Kill Line Dashboard — A visual health score (0–100%) shows how far above or below your safety threshold you are, with clear Excellent / Good / Warning / Danger indicators. > > • Smart Expense Tracking — Add fixed expenses with flexible frequencies: daily, weekly, bi-weekly, monthly, quarterly, semi-annual, annual, or one-time. Everything is automatically converted to a monthly total. > > • Built-in US Tax Calculator — Estimate federal income tax (2024 brackets), state income tax (10 states), Social Security, and Medicare. Add all calculated taxes to your expense list with one tap. > > • Template Library — Get started in seconds with 6 pre-built templates: US Employee (W-2), Renter, Insurance Bundle, Student, Car Owner, and Common Subscriptions. Or create your own custom templates. > > • Expense Breakdown — Interactive pie chart showing where your money goes, organized by category: Housing, Utilities, Insurance, Subscriptions, Debt Payments, Taxes, Savings Goals, and more. > > • Days Until Kill Line — See an estimate of how many days until your balance hits the danger zone based on your average daily spending. > > • iCloud Sync — Optionally sync your data across all your Apple devices using Apple's end-to-end encrypted iCloud infrastructure. > > • Customizable Reminders — Set daily, weekly, or monthly push notifications to check your financial health at a time that suits you. > > PRIVACY FIRST > > Your financial data stays on YOUR device. We collect zero personal information — no name, no email, no location, no analytics, no ads, no third-party tracking. Period. The app works fully offline. iCloud sync is optional and uses Apple's encrypted infrastructure. > > AVAILABLE IN 7 LANGUAGES > > English, Simplified Chinese, German, French, Italian, Spanish, and Japanese. > > WHO IS IT FOR? > > • Anyone who wants a dead-simple way to know their real spending power > • People tired of complicated budgeting apps they never stick with > • Freelancers and employees who want to factor taxes into their planning > • Students managing tuition, loans, and living expenses > • Anyone who's ever wondered "Can I actually afford this?" > > Stop guessing. Start knowing. Stay Above Kill Line.