Move the number. See where it leads.
Start with what is free after commitments and expenses. Adjust the extra monthly amount and see the estimated payoff date change—nothing is saved until you decide.
Keel · Debt clarity for Southeast Asia
Your debt isn’tone big number.
Keel shows what is free this month, what is costing you most, and how a different payment could change the date.
The month feels tight before you know why
Before you plan the next payment, you need to see what the month has already promised—to expenses, commitments, cards, and instalments.
From this month to the next move
Try the plan before you live it.
Know what deserves the next ringgit.
The Coach can prioritise the debt costing you most, estimate the time and interest an extra payment may save, and put overdue payments ahead of optimisation.
Watch the balance fall.
Filter your commitments and follow the remaining balance month by month, with a clear estimated date for when a finite plan reaches zero.
Keep the signal where you’ll see it.
On iPhone, Keel widgets can keep financial health, months to debt-free, and overdue commitments visible without opening the app.
Ask from where you are.
Begin with the questions that matter: which debt is hurting most, whether paying above the minimum is the right move, or where the month still has room to breathe.
Progress needs a date
Not “someday.”
A finish line.
Private by architecture
Your money stays your business.
No bank login. No account. Your financial records stay on your phone.
Read the privacy policy ↗- 01
Financial records stay local
Your balances, income, and commitments live on your device—not in a Keel financial database.
- 02
No bank connection
You decide what to add. Keel never asks for bank credentials or scrapes your transactions.
- 03
The Coach sees less
It receives an anonymised summary, never your name, bank, or account number.
“Unlike normal budgeting apps, this one focuses on debt. The snowball vs avalanche comparison is helpful.”
Start without another commitment
The free tier is real.
Track your position and see your payoff timeline for free. Premium adds Coach answers and interactive payoff planning.
See Keel in the stores ↓Useful before you download
What would an extra payment change?
Use the free calculator to estimate your debt-free date and the interest an extra monthly payment could save.
Try the payoff calculatorKeel around Southeast Asia
Straight answers
Before you start.
Keel currently supports Malaysia, Singapore, Thailand, the Philippines, Indonesia, and Vietnam, with MYR, SGD, THB, PHP, IDR, and VND. The app interface is currently in English.
Your first clear look takes minutes
Start with one
honest picture.
Free on iOS and Android. No account or bank connection required.