Beta open now · Coming to the App Store soon
Bank balances, on your home screen.
Above Water puts your real bank balances on the iPhone and iPad home screen and the lock screen. Connect your accounts through Plaid (most banks in the US and Canada work), pick which balances go where, then just glance. Just the number — no budget to set up, no categories to maintain.
The beta is open: apply today and get in before the App Store launch. Above Water already works, and beta testers use it on their iPhones and iPads every day. We send invitations in batches, oldest application first, by email from Apple's TestFlight. Free while in beta; Above Water will be a paid subscription at launch.
Apply for the beta Takes your first name and email.
Read-only access through Plaid. We never see your bank password, and nothing here can move money.
Chase Checking
$4,182.55
Updated 6:04 AM
All accounts
Sample layouts and figures, not a real account.
Beta open now
Get in before launch.
We invite people in batches, oldest application first, so the service keeps up as the beta grows. When it's your turn, Apple's TestFlight emails you an invitation to install Above Water. Until then, we'll write now and then: a progress update or a question about what you'd want it to do. Nothing unrelated, and your address goes only to Apple for the invitation; it's never sold.
Single opt-in. We use your first name and email to invite you to the Above Water beta through Apple's TestFlight, which sends the invitation, and to email you about Above Water: when it launches, occasional progress updates, and the odd request for feedback. Unsubscribe at any time.
Scope
Deliberately narrow.
Most money apps grow until they need a weekend to set up. This one reads a number and shows it to you. Knowing what a tool refuses to do is usually more useful than its feature list.
What it does
- Current and available balances for every account you connect
- Home screen and lock screen widgets, configured one by one
- An accounts widget listing several balances with a net total
- Rounded or hidden digits per widget, so a balance isn't readable over your shoulder
- A daily refresh, plus a pull-now when you need the current figure
What it won't do
- Budgeting or categories. Other apps do that well
- Ask you to set anything up beyond connecting an account
- Move money. Read-only, permanently
- Ads, and your data isn't sold
Security & privacy
Written down before launch, not after.
Connecting a bank account deserves specifics rather than reassurance. Your bank sign-in happens inside Plaid, with your institution — we receive a revocable token scoped to reading balances, never your credentials. Access tokens are encrypted at rest and only ever decrypted server-side. Every database query is scoped to your own user by row-level security enforced in Postgres.
The full detail, including where we're still short of where we want to be, is in the security overview, the privacy policy, and the data retention and deletion policy.