Stay Above Kill Line

Master Your Finances with One Critical Number: Your Kill Line.

Stay Above Kill Line is a smart budget manager that calculates your personal "Kill Line"—the minimum balance you need to keep in your bank account to cover all your essential bills. See your true disposable income at a glance and stop worrying about missed payments.

How It Works

Kill Line = Total Monthly Fixed Expenses + 10% Safety Buffer. If your balance drops below this number, your finances are in the danger zone.

Core Features

• Kill Line Dashboard — See your financial health score (0–100%), your distance from the Kill Line, and an estimate of when you'll hit the警戒线 in real time. Color-coded statuses from "Excellent" to "Dangerous" keep you in the know.
• Smart Expense Tracking — Add recurring expenses with support for daily, weekly, bi-weekly, monthly, quarterly, semi-annual, annual, and one-time frequencies, all automatically converted to a monthly total.
• Template Library — Get a head start with 6 pre-built templates: US Employee (W-2), Renter, Insurance Bundle, Student, Car Owner, and Common Subscriptions. You can also create custom templates.
• US Tax Calculator — Estimate your federal and state income tax, plus Social Security and Medicare taxes. Supports 10 states and all filing statuses. Easily add the tax result as a fixed expense.
• iCloud Sync — Securely sync your data across all your Apple devices. Your data is stored in your personal iCloud account and is end-to-end encrypted.
• Smart Reminders — Customize notification frequency (daily, weekly, or monthly) to stay on top of your finances.
• Supports 7 Languages — English, 简体中文, Deutsch, Français, Italiano, Español, 日本語.

Privacy First

All data is stored locally on your device. No account sign-ups, no ads, no tracking, and no third-party analytics. Optional iCloud sync uses Apple's encrypted infrastructure. Your finances stay yours.