Above Water

Name

Above Water

Legal name

AboveWater

Website

https://abovewater.co

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Charter Business Intelligence Software

NAICS

Support Activities for Water Transportation (4883)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Water Transportation (4400)

akta.pro primary industry

Bareboat Yacht Charters (Self-Skippered) (THAEAEAB)

akta.pro secondary industry

Marine & Boat Finance (FSAKADAH)

Keywords

• Charter business intelligence
• Maritime financial software
• Charter operator analytics
• Schedule C tax software
• Boat business management

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Subscription SaaS (Per-Vessel Tiers): Tiered monthly subscription model based on number of vessels managed. All features included in every tier. Solo tier at $29/month for 1 vessel, Multi tier at $49/month for up to 3 vessels, Fleet tier at $99/month for unlimited vessels. Annual billing available at discounted rate (save 2 months). No usage-based or transaction fees on charter revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

AboveWater is a cloud-based SaaS financial intelligence platform for charter boat operators that tracks true net profit per charter, monitors season-level breakeven, automates IRS Schedule C tax preparation, and provides an AI Financial Advisor trained on the operator's full season data. The platform ingests bookings and payouts from Boatsetter and FareHarbor integrations and offers tiered subscription pricing for solo operators through small fleets.

Product overview

AboveWater is a unified Charter Business Intelligence SaaS platform — not a modular system with separate products, but a single integrated application offering all financial tracking, tax preparation, and analytics capabilities as part of the core product. The platform centers on True Net Per Charter tracking as its foundational capability, augmented by a Full Tax Center (quarterly tax calculator, mileage log, Section 179 equipment tracker, SEP-IRA maximizer), Channel Analytics for booking source profitability, Maintenance Reserve Tracker for cost planning, AI Financial Advisor for natural language financial querying, Multi-Vessel Fleet View for portfolio management, Season Breakeven Tracker with Pacing Alerts for real-time financial health monitoring, and Year-over-Year Analytics for historical benchmarking. All capabilities are included across three subscription tiers (Solo at $29/month for 1 vessel, Multi at $49/month for up to 3 vessels, and Fleet at $99/month for unlimited vessels), differentiated solely by fleet size. The platform supports data import via CSV from booking platforms including Boatsetter and FareHarbor.

Differentiator

Problem solved

Functional benefit

Products and services

• AboveWater Cloud-based SaaS financial intelligence platform for charter boat operators that tracks true net profit per charter, monitors season breakeven, prepares IRS Schedule C tax filings, and provides an AI Financial Advisor trained on the operator's full season data, with integrations to Boatsetter and FareHarbor booking platforms.

Quantifiable outcome

• Charter operators often don't know their true net until October when repair bills arrive
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature10 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Xero: Xero is a cloud accounting platform for SMBs offering bank reconciliation, expense categorization, and financial reporting. It is comparable to AboveWater as a horizontal financial SaaS for small businesses needing clean books and tax-ready output, though Xero lacks marine-specific per-charter profitability analytics.
• Pilot: Pilot is a bookkeeping and tax service for startups and SMBs, providing category-level accounting, monthly closes, and CFO-grade reporting. It is comparable to AboveWater as a financial intelligence SaaS for small operators, though Pilot serves venture-backed startups rather than lifestyle/SMB charter operators.
• Hurdlr: Hurdlr is an income and expense tracking app aimed at self-employed and gig workers, with auto mileage, tax estimation, and integrations to bank accounts and platforms. It is directly comparable to AboveWater because it serves the same self-employed SMB pain point — visibility into true take-home pay across fragmented revenue streams — and uses a similar PLG, mobile-first SaaS model.
• Bench: Bench combines SMB bookkeeping software with a human bookkeeper service, producing monthly P&Ls and year-end financials. It is comparable to AboveWater as a financial intelligence layer for small businesses that delivers clean financials for tax and decision-making, though Bench is human-assisted and horizontal versus AboveWater's AI-driven vertical approach.
• FreshBooks: FreshBooks is a subscription accounting and invoicing platform targeting service-based SMBs and freelancers. It is comparable to AboveWater in addressing the financial tracking and reporting needs of small, owner-operator businesses, though it is built for service firms rather than activity-based charter operators.
• Wave Accounting: Wave offers free accounting, invoicing, and receipt scanning for very small businesses and sole proprietors. It is comparable to AboveWater as a free-to-low-cost financial SaaS for micro-businesses that need basic P&L and tax-ready reporting, though Wave is horizontal while AboveWater is purpose-built for charter operations.
• Keeper: Keeper provides tax filing and expense tracking specifically for independent contractors and self-employed workers, including 1099 income tracking and write-off identification. It is comparable to AboveWater as a tax-vertical SaaS targeting sole proprietors with similar income irregularity, though Keeper targets a broader tradesperson base rather than charter operators.

Broad incumbents

• QuickBooks Self-Employed: QuickBooks Self-Employed is Intuit's tax-focused accounting product for freelancers and sole proprietors, featuring quarterly tax estimates, mileage tracking, and Schedule C categorization. It is comparable to AboveWater as the dominant horizontal incumbent solving the same Schedule C / tax-ready P&L problem, but lacks AboveWater's vertical marine-specific fee allocation and booking platform integrations.
• FareHarbor: FareHarbor is a booking and reservation platform for tours, activities, and charters that AboveWater integrates with via CSV import. It is a comparable ecosystem participant because it owns the booking relationship with the same charter and activity operators AboveWater targets, and could expand into operator-facing financial analytics over time.
• Boatsetter: Boatsetter is a peer-to-peer boat rental and charter booking platform whose CSV export AboveWater integrates with. It is a comparable ecosystem participant because it sits at the booking layer of the same charter operator workflow and represents both a current integration partner and a potential competitive threat if it ships native profitability analytics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/abovecbd
• Facebookfacebook.com/abovewatercbd
• LinkedInlinkedin.com/company/above-water-cbd

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Above Water